Research On Small And Midsize Enterprises Special Credit Grading System On Improved Scale System Of AHP

As a vigorous economic group, Small and midsize enterprises are important part of our national economy as an important factor for the economic development in recent 30 years. By the end of 2007,the number of the small and midsize enterprise has been more than 95% of the total number of the enterprises. The value of the final products and services they create has taken up about 70% of the GDP in China. While the taxes paid by them has added up to 60% of our country's total taxes. Besides,the small and midsize enterprise has provided opportunities for more than 80% of the employed in suburban areas. The small and midsize enterprises have become the pioneer for the technology innovation and a basis for the development of employment. The small and midsize enterprises have turned to the impulse for the transform of China's economic mechanism because they embrace flexible mechanisms and ability to adapt to the market. However, the development of the small and midsize enterprise face a series of problem, the most serious one among which is the financing problem. The loans for the small and midsize enterprise are less than 16% of the total bank loans. The financing problem Has became a bottleneck in the growth of the small and midsize enterprise. The main cause for diffieult finaneing due to the Problem of low eredit appraising for small and midsize enterprise. At present, the unfitness of the credit grading index system using the same critertion adopted by our courtry's commercial banks instead of special credit grading system for small and midsize leads to the low credit assessment in a certain degree for small and midsize and exacerbate their difficulty of financing.The article takes the matter of solving the problem of difficult financing facing small and midsize as a start point, makes the founding of credit rating system special for small and midsize as a breakthrough. This paper discuss te evaluation model and method, hoping to provide a scientific theoretical foundation for small and midsize to resolve the difficult problem of financing. This article introduces classic financing theory of domestic and foreign enterprises firstly, and lays the theoretic foundation for financing for small and midsize enterprise. Then, using analytic hierarchy process (AHP) to solve small and midsize credit evaluation problem, which is a reasonable option, is proposed based on the research achievements which about credit evaluation made by experts, and the present stage of market economy and small and midsize development background.When using the analytic hierarchy process (AHP) to determine the "weight", it is founded that the traditional "exactly number scale method" cannot describe fuzzy evaluation words which reflect people's fuzzy thinking. This paper deeply discusses the fuzzy mathematics knowledge, gives a comprehensive evaluation mathematics model by introducing the concept of fuzzy number into the scale method of analytic hierarchy process (AHP).Finally, a listed small and midsize enterprise is selected as an example. Renewed Credit rating is analyzed by using the models constructed by this paper and the evaluation result is handed out. At the last, several limitations of this model and follow-up study suggests are listed.