Research On Credit Evaluation System Of Small And Micro Enterprises Under The Background Of Entrepreneurship And Innovation

Small and micro enterprises are an important force to promote the rapid development of China's economy.They are the largest group of various market players,and have made important contributions in providing jobs,promoting urbanization,and promoting China's economic development.In the first time in 2014,Premier Li proposed the concept of"entrepreneurship and Innovation"(E&I).When the two sessions were held in 2015,he emphasized the importance of small and micro enterprises in the government work report and created a new situation of E&I as a top priority.The problem of financing difficulties for small and micro enterprises has always been the object of research by scholars at home and abroad.The E&I background has improved its financing dilemma to a certain extent,but to solve the problem fundamentally,we must first improve its credit evaluation system.The construction of the standardized small and micro enterprise credit evaluation index system under the background of E&I is very important for small and micro enterprises,banks and rating industries,which is beneficial to small and micro enterprises to solve financing problems under the-constraints of credit evaluation,and enrich existing Credit evaluation system.On this basis,this paper studies the credit evaluation system of small and micro enterprises in China under the background of E&I.First of all,fully understand the research background,through the study of the credit evaluation literature of small and micro enterprises at home and abroad,summarize the characteristics and scope of the commonly used credit evaluation analysis model,and lay a theoretical foundation for the construction of this model.Secondly,Analyze the status quo of small and micro enterprises and credit evaluation system under the background of E&I,and propose improvement ideas according to the limitations of the current evaluation system.Combined with the new characteristics of small and micro enterprises,the indicators are selected by reference to a large number of research literatures at home and abroad and the existing credit evaluation systems of domestic banks or financial institutions.According to the selection principle,33 evaluation indicators were selected,including 12 qualitative indicators and 21 quantitative indicators.Because BP neural network has the characteristics of objective science,strong data inclusiveness and high efficiency,it chooses BP neural network to construct a small micro enterprise credit evaluation model.Eighty-one enterprises that meet the small and micro-division criteria were selected from the listed companies,and the evaluation indicators were optimized by expert scoring method and factor analysis method.Finally,nine representative comprehensive evaluation indicators were extracted to construct BP-based nerves.The credit evaluation model of small and micro enterprises in the context of E&I of the network.And choose the S enterprise substitution model,and compare with the bank credit evaluation results,reflect the advantages of the construction model of this paper,and realize the research on the credit evaluation system of small and micro enterprises under the background of E&I.Finally,based on the actual application results,the applicability of the small micro enterprise credit evaluation system based on BP neural network model is determined.At the same time,it briefly expounds the shortcomings of the model,combined with the theoretical research in the previous article,to improve the financing situation of small and micro enterprises and the problems in the credit evaluation system under the background of E&I,from the government,enterprises themselves,banks and other five aspects.It is suggested that we hope to improve the credit evaluation system of small and micro enterprises and improve their financing environment.