Sme Credit Evaluation And Security Research

An important national policy is to accelerate development of small and middle enterprise, especially high-tech small and middle enterprise s, which has been highly attached importance to by our government, departments of economic management and economic research. Our government has issued "Small and middle Enterprise Promoting Law of the People' s Republic of China " which definitely puts forward encouragement for development of Credit Guarantee Cause and push construction of credit system and builds collection of credit information and systems of estimationSince the end of 1980s, International Finance Circle had increasingly been concerning credit risk and getting stronger and stronger .Therefore , we constantly weeded through the old to bring forth the new in methods of estimation for credit risk and consummate day by day in technology of management .There are many of fix quantify technology ,supporting tools and software which have been put into commercial applications .Whereas, at present ,it is very backward for us both in our theories and practices of unitary credit estimation ,at the same time ,analysis of credit and technology of estimation sill stand moment that belong to traditional rate analysis ^specially for late beginning about credit guarantee of our nation , most of guarantee organizations built by finance and committee of economy and trade ,business association or citizens ,no rich experience of estimation for most personnel who are engaging in it .Objectively ,we have fallen into lack abilities for credit estimation for these .They directly have an effect on promoting development of small and middle enterprise. So, there is no time to delay for credit estimation and research of enterprises.This paper put forward that credit estimation and guarantee of small and middle enterprise must pay attention to its characteristics ,that is to say ,stressing some estimations such as "future innovation ,grown-up ,.development " through normative analysis Remonstrating analysis ,comparing analysis and research .At the same time it must deal with whole credit and part credit combination of qualitativeanalysis and quantitative analysis and relative relations about methods of estimation and goals of estimation .According to characteristics of credit estimation ,1 choused index and form systems of multilayer index and select combination of Delphi and AHP in order to avoid subjectivity and random for setup in the course of setup of estimation index .It should adapt flexibility of anti-guarantee setup and embody its supporting function for enterprises through qualitative analysis of anti-guarantee and estimation of risk with reason .In view of mature experience and criterion of science and technology estimation ,This paper introduced into concepts about index of filtration and superior and established relative and traditional methods which are suitable for modes of small and middle enterprises for credit estimation and are applied by credit guarantee.According to its characteristics of technological enterprise, we carry out choice of credit estimation methods and try to build modes of estimation of small and middle enterprise with science and technology through analysis of credit and comparison of graded methods, mounting filtration of the index systems and index of estimation and index layer for one grade and two grade and picking up them under the balance of setup methods so that the system of the index can form framework. Therefore, it can support methods and though of reference for credit guarantee comment.