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Commercial Bank of SME Credit Rating

Author: CaoLian
Tutor: DongLiang；ZhuXiangHua
School: Jiangsu University of Science and Technology
Course: Management Science and Engineering
Keywords: SMEs Credit Evaluation AGA-CAHP Fuzzy Comprehensive Evaluation Method
CLC: F832.4;F224
Type: Master's thesis
Year: 2011
Downloads: 144
Quote: 0
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Abstract


The credit is good or bad a direct impact on the future development of SMEs , good credit can broaden the financing channels for enterprises , bringing considerable benefits , bad credit will seriously hinder its development , and therefore , its reasonable credit evaluation is critical . However , the domestic credit rating of SMEs mostly irrational, non against and scientific . Therefore, for small and medium-sized enterprises to establish a sound scientific adapt to its credit evaluation index system and model development is imminent . Compared with large enterprises , SMEs have their own characteristics, credit evaluation index system and the model built for small and medium-sized enterprises , it is necessary to draw on existing evaluation index system and model based on combination of its characteristics , the establishment of SME credit evaluation system and model . This article a comprehensive comparison of credit evaluation methods and evaluate their respective strengths . Starting from the basic principles of credit evaluation index system built to fully draw on the research results at home and abroad , combined with the SME - specific nature , built from the six aspects of the enterprise ( the overall situation , market assessment , financial position and balance sheet situation , innovation and risk situations ) SME credit evaluation index system reflecting the corporate credit situation . Subsequently , the existing credit evaluation methods and models , based on a variety of methods for the applicability and feasibility of China 's SME credit evaluation , and ultimately select the AGA-CAHP law and the combination of fuzzy comprehensive evaluation method to establish SME credit The evaluation model . In this paper, the consistency of judgment matrix of genetic Analytic Hierarchy Process (AGA-CAHP), static analysis and dynamic analysis of a combination of the method of determining the weights of the indicators in each judgment matrix and consistency checking of each matrix . SME credit evaluation model is established by use of the fuzzy comprehensive evaluation method , and empirical research , the results of the results of the evaluation and the Industrial and Commercial Bank of evaluation of the enterprise in 2009 , indicating that the method has a strong scientific , feasibility and applicability Finally, with regard to commercial banks on SME credit evaluation made ??some suggestions .

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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