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Research on the Credit Rating System of the Small and Medium-sized Enterprise under the Perspective of Commercial Bank

Author: ShenZuo
Tutor: LiuPing
School: Harbin University of Science and Technology
Course: Accounting
Keywords: Small and medium-sized enterprise Credit rating AHP method Fuzzy evaluation
CLC: F832.4
Type: Master's thesis
Year: 2013
Downloads: 14
Quote: 0
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Abstract


In recent years, The number of small and medium-sized enterprise bankruptcy gradually rise due to financing difficulty. First Wenzhou trapped, after Ordos wounded, and recently the Pearl river delta region from the news of the folk lending disputes. The biggest reasons of causing the small and medium business bankruptcy which is financing difficulty. Commercial bank has the historical mission which supports of the local small and medium-sized enterprise. But the commercial Banks internal for small and medium-sized enterprises credit rating system is not perfect, because the rating method, rating index, which is based on the characteristics of large state-owned enterprise for rating process subjectivity strong, it mainly investigates the solvency and profitability, ignores innovation and development ability, it lacks cash flow analysis, performance evaluation, the innovation and development capability. These show that the current credit rating is not suitable for small and medium-sized enterprises. Therefore, it becomes the most urgent solved problem to establish credit rating index system and the model which suit the small and medium-sized enterprise.This paper introduces the current situation of SME financing, analyse the reason of the financing difficulties and the situation of credit banks. This paper combines with the principles of setting up credit rating system for small and medium-sized enterprises, and uses for reference the foreign credit rating system, it selected9kinds of qualitative index and7quantitative indicators, which can reflect the situation of comprehensively. The system pays more attention to analyse and considerate the quality qualitative, weakens the quantitative analysis of financial data, and increases the cash flow evaluation, performance evaluation, innovation ability evaluation, development ability evaluation and enterprise scale index evaluation. This paper seted up a multilevel fuzzy comprehensive evaluation model, which combined the AHP analytic hierarchy process, calculation of membership, and comprehensive evaluation technology. Finally empirical test, which proved the probability of reliability. This paper provide the theoretical basis for credit rating.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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