Sme Financing Credit Rating

Small and medium-sized enterprises (SMEs) are playing an irreplaceable role in development of Economic and social,but financing is very difficult. Since 2007, the domestic macro-control policy and the U. S. subprime mortgage crisis has brought great survive Crisis to Chinese SMEs , some of them even close down because of funding strand breaks. SMEs play a vital role in the development of China' s economic. In more than 10 million registered enterprises, SMEs accounted for 99.3%, its output value accounts for 55. 6% of GDP, its exports accounted for 62. 3%, its towns and cities to create jobs for about 75% of total posts.However, SMEs have access to the financial resources with its economic and social development in the status and role in it is extremely disproportionate, difficulties in financing problem has restricted the development of SMEs in the primary bottleneck.Of financing of SMEs specific reasons, but mainly because of small and medium enterprises with little sense of credit, thus affecting its financial capacity, coupled with our current lack of banking and security agencies to conduct a credit assessment for SMEs improve the system, leading to many small.and medium enterprises in China to close down because of lack of funds.This article from the building SME credit evaluation, analyzing the financing of SMEs in China bottleneck analysis based on hierarchical fuzzy comprehensive evaluation of SMEs more comprehensive credit evaluation, and finally through the case series analysis to verify that the model.