Evaluation Of Small-and-medium-sized Businesses Credit Based On The Fuzzy Comprehensive Evaluation Method

With the development of China's opening and reform,SMEs are playing an increasingly important role in the national economy.SMEs in China have gradually become an important power to push the development of national economy and maintain social stability.But SMEs in China are still located in the "weak" status in Chinese economy system,and its development still faces many problems,among which,the financing difficulty is the universal and principal factor to constrain the development of SMEs.The main cause for difficult financing due to the problem of low credit appraising for SMEs.At present,the unfitness of the credit grading index system using the same criterion adopted by our courtry's commercial banks instead of special credit grading system for SMEs leads to the low credit assessment in a certain degree for SMEs and exacerbate their difficulty of financing.This article takes the matter of solving the problem of difficult financing facing SMEs as a start point,makes the founding of credit rating system special for SMEs as a breakthrough.This paper discusses the evaluation model and method,hoping to provide a scientific theoretical foundation tbr SMEs to resolve the difficult problem of financing.Then according to the characteristics of our country's SMEs and the principles of establishing the evaluation index system,and based on existing evaluation index systems both in our country and in other countries,the paper establishes a suit of evaluation index system which is able to reflect the SMEs'credit roundly.The paper uses the method of analytic hierarchy process(AHP) combined with fuzzy comprehensive evaluation to establish the credit rating model of our country's SMEs. The author chooses an appropriate enterprise and evaluates its credit level using this model in the end of the paper.