Sme Credit Evaluation Method And Its Application

Credit system has developed for more than 160 years in developed countnes.Their credit evaluation in small-and medium-sized businesses focus on character,reputation,capital and management condition.Today credit evaluation for limited companies from 200 countries and regions can be finished in 15 workdays.But in our countruy,credit institutions commence at 1980s.There are only Severn or eight big-sized credit evaluation institutions now.The application of credit evaluation is greatly limited and credit evaluation in small-and medium-sized businesses is more faultiness.Access of credit risk in small-and medium-sized businesses is a problem discussed and probed both in economic theory and in practical communities. The present credit evaluation technique in China mainly applies to large-scaled enterprises. It doesn't adapt to the reality of small-and-medium-sized businesses.Under this situation the paper put forward some points.The main creative points of this paper are in chapter 2 and 3:For the first time the paper summarizes the models and methods of credit evaluation.This paper constructs a credit evaluation quota system for small-and-medium-sized businesses on the basis of "Analytical Hierarchy Process", by analyzing the status quo of small-and medium-sized businesses and credit evaluation technique which is used by small-and- medium-sized businesses in foreign countries. It also combines qualitative analysis with quantitative calculation to evaluate the comprehensive credit degree of small-and-medium-sized businesses.