Credit Evaluation Indexes System And Credit Grade For Private Enterprise

Credit rating in China emerged with the enterprise bonds in step in 1987, followed with the promotion with reform and marketization . It is a new things at the courses of traditional planned economy to market economy excessive. Credit rating means that the credit rating organization is according to the scientific index system, adopt the strict and cautious analytical method, use the concise characters symbol, fulfil the ability of enterprise economic responsibility to grading that the degree carries on objective and just appraisal, and define a kind of economic activity of its credit grade. The index system of credit rating is the basis of credit rating. A suit of the credit rating index systems of sciences is right away at a loss as to what to do for credit rating to work, farther from being the objectivity, fairness and science of credit rating. At present, enterprise issues the bond and bank grants the loan, all be have to do credit rating, this have already formed the system, but the index system of credit rating of the enterprise to issueing the debt and granting the loan have never been unified and standardized. As regards credit rating of private enterprise, still no rating organization develops this kind of grading specially in our country at present, the rating organization often equates the credit rating of private enterprise with the credit rating of small and medium-sized enterprise. Because the ownership difference still exists in very big range in the economic life at present in our country, the flourish of the private enterprise requires carrying on credit rating to it objectively. So, It is necessary for credit of private enterprise to carry on special grading, accord with the demands for economic development of our country too.The thesis is base on the center topic of private enterprise credit system and institutional improvement, at the beginning of the current situation and characteristic of the private enterprise and credit rating industry, draw lessons from the domestic and international relevant achievement in research, pass the analysis to practical problems and characteristic of private enterprise, use the systematical method, appraise the index system of credit to the private enterprise.The key content of the thesis consists of three parts. It has been studiedin the three parts separately about the realistic problem of private enterprise\ private enterprise credit systems for index parts of content and Fuzzy multiobjective many-person evaluation.In addition, in order to compare with other credit index systems, it is enumerated in the appendix that the credit rating of enterprise standard of the assessing organization or the government departments, such as Dagong credit limited company, the People's Bank Shanghai branch, etc.The achievement in research of the thesis has theory meaning and practice meaning. Theoretically, the thesis has enriched enterprise credit index system, put forward originally the index of analysing such as staffs income rate, owner's credit etc. Practically, the index system that has been put forward the thesis has very strong pertinence and suitability, can be used in the credit of private enterprise in reality.