Research On The System Of Rating For Hi-tech Enterprises

With the development of civil economic and technology, a lot of high-tech enterprises appear, as the representative of the new economy, high-tech industry has played an increasingly important role in our economy. The high-tech industry's contribution to the growth of economy is on the rise and has become a main force pushing the world economy forward.However, there exist a lot of restraints to the development of high-tech companies, among which fund is a main factor. On the one hand, the unavailability of bank loans becomes increasingly obvious, and it is hard for high-tech companies to be included in the present credit analysis system that is based on the value of tangible asset. On the other, banks are eager to find new source of profit. It also poses a new problem to commercial banks that how to develop themselves by supporting the development of high-tech companies. How to establish a new credit analysis system suitable for high-tech companies is the main consideration of this thesis.Firstly we discuss the meanings, content and the principals of the evaluation of credit, and exert the credit theory of MAX to the evaluation of credit to get the contents for the evaluation of credit in theory. Then through analyzing the present system of credit evaluation in the civil and overseas countries, and through using the credit evaluating system of overseas risky venture, on the side of the creditor, we device the credit evaluating system into such six aspects as the character of the enterprises, the capacity of paying back, the capacity of payoff , the capacity of operating, the capacity of innovating and the capacity of pullulating. Finally we use the method of AHP and dim mathematics to demonstrate the feasibility of the system that is formed in the fifth part.