Study Of High-tech Sme Credit Evaluation System

The High-tech SMEs have special growth law and cash flow track in themselves, so the speciality should be embodied in their credit research and credit evaluation. The credit evaluation of the High-tech SMEs is the research object in this paper, and the model and method of the the credit evaluation of the High-tech SMEs are also discussed in this paper. When the credit evaluation model is supplied, it can provide a scientific theory foundation to resolve the problem of difficult financing.At first, this paper introduces the research status and some conception and theory at home and abroad. Based on a lot of experts and scholars' conclusion and shortage, the author puts forward a "Three-dimensionality and Three-hierarchy" credit evaluation model combining the High-tech SMEs' characteristic and developing status.Then, the model's evaluation indexes are classed, explained and given evaluation criterion. Through experts' investigating questionnaire, we conformed the indexes' weight in quantity by using the method of AHP. The indexes system is composed of five aspects: Basic Quality, Technology & Innovation, Capital & Finance, Product & Market, Growth & Development; and having twenty-four indexes totally. After putting forward the model entirely, we have a test and illumination to A High-tech SME by the model, and make a further analysis to the evaluation outcome in general and each aspect.At the end of this paper, we discuss the conclusions we have gotten, explaining some researching shortage and bringing forward some suggestions for further study.