The Choosing And Positive Research Of The Enterprise's Credit Rating Indices

The credit is a kind of refund ability setting-up on the basis of trust, which the accepter has promised to the grantor within specific time. Credit rating is an activity that the professional credit appraisal agency makes the enterprise's credit state objectively and offers the concise grade conclusion to the enterprise in the form of simplest characters. It is objective, just appraisal which is based on understanding, investigating, surveying and analysing.The factor influencing enterprise's credit is various. Carrying on credit rating or appraise to an enterprise must consider these factors in an all-round way. So, grade indices is specify to credit evaluation, the scientific of the indices system determine the rationality and useful of the result of credit rating.At first, the paper has opened out the question existing in the credit rating index of our country through quoting a real case, and put forward personal solution and preliminary imagination to the index system. Based on the analysis of risks that confront enterprises, the paper determines the methodology for its research, i.e. experts grading system and the fuzzy discriminating analysis for the quality factors and the factor analytic approach of mathematical statistics for quantity factors. Through the reliability analysis, the model's reliability can be ensured. Utilize the formula that model provide we can calculate the mark of quantitative indices, then combining the evaluation results of the quality factors, utilize multi-level judge approach, the evaluate organization can carry on comprehensive credit evaluation to the enterprises. At last, the paper demonstrates the application of the index with a typical enterprise, Huafang. It explains the application method of the model. The result proves, it is in conformity with the reality. This proves that the method in the paper provides a scientific approach to choose index., and it have practicability and scientific nature.