Research On Credit Rating Of Small And Medium-Sized Enterprises In China

Small and medium-sized enterprises are important components of our national economy, have played an important role in offering the opening, promoting the system and technological innovation, developing international trade, promoting the economic growth etc.. But existence which small and medium-sized enterprises face and development environment are very not so good as the people's will, small and medium-sized enterprises face very great difficult problem on especially financing in many aspects. Causing this kind of situation, there is not only small and medium-sized enterprises' own problem, but also a reason of the financial environment. At present, the financial service level of mall and medium-sized enterprises of our country is on the low side, especially lack for the socialized enterprise credit appraisal agency of enterprise's financial service of small and medium-sized enterprises, cause small and medium-sized enterprises to have no chance to get just credit rating. Because the bank and credit guarantee company can't analyze , hold characteristic and law that small and medium-sized enterprises manage correctly , in order to control the investment risk , have to keep these enterprises outside of the door briefly , make a lot of small and medium-sized enterprises with good development prospect unable to make financial support. So is it accord with credit rating system, small and medium-sized enterprises of characteristic to set up, is it solve small and medium-sized enterprises, bank and credit contradiction to assure organization to contribute to, have very important theory and realistic meaning. This text is divided into six chapters, the main content of every chapter and research results made are as follows: Chapter one is the introduction. This chapter has explained setting up question background , research meaning , domestic and international research and current situation of the development of the thesis, have confirmed the thinking of research of the thesis and research contents. Build three respects to compare with research from the organizational construction , credit rating theoretical research and laws and regulations of credit rating mainly, disparity while pointing out our country and foreign credit rating are developed. Chapter two is credit rating summary. This chapter has introduced definition , characteristic and classification of credit rating systematically at first, then described the function of credit rating from such angles as the investor , factor , financial supervision department and operation efficiency of the market ,etc. separately, point out credit rating has already become the indispensable component in the financial market. And then, this text and trades the production of theory explanation credit rating of the expenses and reason of development with the information asymmetry theory. Finally , analyzed the problem that the credit rating industry of our country faces and development prospect, it is the subject matter that the credit rating industry of our country faces that imbalance of supply and demand of market , legislating to lag behind , rating organization are unstandard in operation, but we can give play to the new-coming advantage , use the successful experience of the developed country for reference and study , is it accord with actual China can with credit rating system that international standard integrate also to set up as soon as possible. Chapter three is the credit theory analysis of small and medium-sized enterprises of our country. This chapter has introduced the main country (district) and definition way in small and medium-sized enterprises of our country in the world at first, point out small and medium-sized enterprises are in different countries , in different periods , different trades have different definition standards. Then described the position and function in our national economy of small and medium-sized enterprises, and analyze to its financing current situation. Analyze in small and medium-sized enterprises credit in one, the investigation shows , compare with the state-owned enterprise relying mainly on large and medium-sized enterprise and overseas-funded enterprise, the credit resource state of small and medium-sized enterprises is relatively bad, financing credit is insufficient. The article has been explained to implement the meaning of credit rating of small and medium-sized enterprises, think that should set up and solve the financing problem of small and medium-sized enterprises to small and medium-sized enterprises especially to the credit rating system of growing up type small and medium-sized enterprises , this credit rating system should accord with the characteristic of small and medium-sized enterprises , have operating nature. Chapter four is the credit rating model of small and medium-sized enterprises in our country. The key content that this chapter is studied by a full text, on the basis of drawing lessons from forefathers' research results, have set up the credit rating index system of small and medium-sized enterprises of our country and credit rating model. This chapter has carried on comparative analysis to three kinds of domestic and international commonly used credit rating methods at first, according to actual conditions of our country, is it adopt credit score law to determine. And credit rating index system whether credit rating organization grade the basis that person are engaged in credit rating, whether it is an objective and just scale to weigh the credit rating result too, compared with credit rating method it is more important. This text is after carrying on network analysis to the credit of...