SME Financing Strategy Research Based On Bank's Credit Rating System

With the advent of the financial crisis, the world's major banks closed down and reorganized. Surviving banks began to tighten monetary policy, in order to preserve their strength through the "winter". It's also led to more difficulty in financing for the enterprise, and the financing difficulties of SMEs are particularly evident.The state has the introduction of policies related to the settlement, these policies also include bank financing for SMEs made adjustments, and the GEM IPO formal operation in October this year, have no doubt, they are all help to alleviate some of the SME financing, But for most small businesses, that are all difficult to meet their requirements either from the bank financing or financing on the GEM, in particular, for the Growth Enterprise Market.How to solve the financing problems of SMEs, that is still need long-term effort and discussion. This paper from the bank lending point of view, for any enterprises intention to obtain loans from banks, the banks must undertake credit rating, and then classify the enterprise according to the evaluation results of the credit rating. Ultimately, based on their level to determine whether to give the company the amount of funds required and they should provide how much money.This article stand the perspective of SMEs to consider the bank's credit rating for business, to make the bank's credit rating system can be used for the enterprise and eventually in order to achieve the purpose of SME loans, that's need built a rating system to help SMEs achieve better credit rating. Proposed the enterprise use of the bank's credit rating system, realize the strategy which can reduce the difficulty of the bank loans, by improving the credit rating of SMEs.Through analysis of bank's credit rating system presents the strategy, in particular, to analyze the indicators, calculation method and classification standards of the rating system, after that combination of AHP and the questionnaire results, then build a rating system which is suitable for SMEs, the purpose is during the process of the SMEs use of this system, it could help the enterprise discover that companies shortcomings, and promptly correct these deficiencies, to improve the rating of SMEs and ultimately achieve the purposes of smoothly access to bank funding.