Study On Credit Assessment Of Small And Medium-Sized Private Enterprises In China

The question of credit is very outstanding in our country's present economic life. It has negative influence to the economy of our country.Enterprise's bad credit is an conspicuous contradiction to influence enterprise manage and national economy run healthily normally at present. Because small and medium-sized private enterprises are generally all in the industry with keen competition, their development prospect has high uncertainty. Small and medium-sized private enterprises , in small scale, taking credit as central intangible assets far, concern mostly to the accumulation and appreciation of the enterprise physical assets. Our country is still in economy transformation period, The evaluation system of credit has not been really set up yet,enterprise and bank have information asymmetry,so small and medium-sized private enterprises' financing difficulty can not be solved completely in a short time. For this reason, in order to alleviate the difficult problem of financing of small and medium-sized private enterprises, we should consider strengthening enterprise's credit and assessing organizational construction,explore the assesses method in credit of suiting private small and medium-sized enterprises.The main train of studying in this thesis is to proceed from current situation of credit of small and medium-sized private enterprises,through analyzing of our country small and medium-sized private enterprises credit assessment necessity, explore small and medium-sized private enterprises theory and method that credit assess.Seeing the overview of small and medium-sized private enterprises' credit in China, I have explained the outstanding problem met in the characteristic and development of small and medium-sized private enterprises systematically. Study the current situations of the development of small and medium-sized private enterprises, and assess three relevant concepts in credit through analyzing, they are credit, enterprise's credit and credit assessment, I put forward the countermeasure of improving the credit of small and medium-sized private enterprises.Assessing the private credit of small and medium-sized enterprises in the theoretical research, I analysis the point of view of information unsymmetry, and I think that credit assessment is necessary, the financing of small and medium-sized private enterprises needs independent credit assessment to reduce investor's worry. Presently, the legal institutional of our country can't meet the development of assessment improvement, so we want the sound law of structuring enterprise's credit to ensure the system. In order to improve the professional skill of the appraisal agency of credit, we should strengthen credit and assess organizational construction, establishing the good image of the appraisal agency. It is not excessive to be peaceful and scarce. The life of the assessment agency of credit lies in offering independence, objective, justify credit, and good credit itself is primary prerequisite that the appraisal agency of the credit exists. Appraisal agency in managing actually should care for the assess quality, serve society to gain the public's trust. In assessing the method and studying of the credit of small and medium-sized private enterprises, I assess the principle choice of the index system, content of the index system, draw lessons from foreign developed country credit assess method and with the study of our country small and medium-sized private enterprises, I demonstrate what credit assess method our country should adopt. Designing the index system and concrete computing technology for the private credit of small and medium-sized enterprises and assessing. I think we should not treat credit assess index system of quantitative index and index that determine the nature analytical method mechanically. Judge with the quantitative analytic approach that everybody has already acknowledged generally the quality of the index. Uneasy or impossible index that by quantify,...