Study Of The Credit Risk Evaluation Systems For Technology-based Smes In Our Country

In recent years, in the world high-tech industrial development field, technology enterprises have become very active driving force. High-tech SMEs is a science and technology enterprises in the most dynamic and promising company, is the next big technology companies in the bud and the foundation. High-tech SMEs not only for the incubation of new industries, activate regional economy provides an important foundation for the development of high-tech industries all countries to establish a national innovation system and the important subject, but also to promote industrial upgrading and enhance competitiveness of the economy and lay a solid foundation. However, the shortage of funds has become a problem in China's science and technology SMEs. Bank loans, small and medium sized financial trouble to resolve the most direct and convenient way, but because of reasons of asymmetric information, banks tend to implement these small firms "reluctance to lend" policy, foreign experience shows that the credit rating is to solve the most effective way of information asymmetry.Credit is a cornerstone of the financial system and the cornerstone of the market economy. Essence of a modern economy to some extent can be said that economy of credit, business credit in our credit system to occupy a pivotal position. But in China's science and technology issues worrying SME credit, the lack of credit has been serious harm to the market to establish and standardize the economic order, endanger their survival and long-term development. The reason is not a well-established credit rating system is one of the key issues. Therefore, how scientific, objective and impartial conduct of its credit rating, is a social credit system a major problem, related to our future sustainable development of Small and Medium.Existing enterprise credit rating system could not fully take into account its rapid growth and high-risk characteristics. In this paper, Small and Medium as the research object, the first law analysis tech SMEs, characteristics and assessment of significance, through the use of economics, management, finance, commercial banking, Statistics and other disciplines in the theory and method , the index system of small firms were investigated using the AHP method to set target weight, focus on the innovative capability of enterprises, products and markets, growth and development capacity, building science and technology SME credit rating system Measurement of SME credit risk. Using this method, while the credit risk on a number of companies for many years to track the status thus to study the dynamic changes in corporate credit conditions, credit conditions on business management and play a certain grasp the reference.