The Rearch Of The Results Of The China's Loan Enterprise's Quality Testing Model

When considering whether the bank to provide loans to enterprises,The results of the credit rating for Loan enterprise which maked by the credit rating organization may has the significant reference function.But a precondition is the result of a reliable credit rating has strong credibility. This request credit rating organization makes the function check to the credit rating, and carries on the track to the rating result, surveillance, according to actual situation adjustment indicator system.With the rise of small and medium enterprises in China, the bank began lowering the threshold of the SME credit, loan companies on the organizational structure has changed. The proportion of small and medium enterprises is increase. Under such circumstances, learn from the actual situation of small and medium enterprises, improve corporate loan credit rating index system, as well as indicators of scientific and rational system of effective supervision and guidance is especially important. From the perspective of credit rating quality test, this paper attempts to improve the corporate loan credit rating system.Credit rating of the theory of quality test methods have been improved very much, in practice, has been abroad for more comprehensive applications, and achieved good results. But at home, because of the lack of basic data, for the time being can not use these advanced methods. At present, the rating agency most commonly used method is to map the results of rating, which is a model of transition.This article from the re-evaluation of the results of the rating point of view, try the same structural features of a credit rating of the test model of transition. I hope I can do my modest for the development for china's credit rating quality test. This model is the basic idea is to use single-year credit rating migration matrix, the objective of the entropy law and the right to evaluate the fuzzy law. Carries on stable grading to the rating result,which would be used to guide to how to improve the results of the index system, or be used for certain amendments for the results of the credit rating.To verify the model, I believe that this model due to the relatively rough and with a certain subjective factors, therefore, is the key to verify the applicability of their grasp. As a result, here try to use the Monte Carlo method to verify their applicability.