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Midfield Industry Sme Credit Rating Index System

Posted on:2006-03-19Degree:MasterType:Thesis
Country:ChinaCandidate:M ZhuFull Text:PDF
GTID:2206360155958233Subject:Business Administration
Abstract/Summary:PDF Full Text Request
China puts forward currently one of the ten measures that promote our country manufacturing industry is to develop the intermediate zone industry strongly. Considering of the business enterprise of the intermediate zone mostly is the small-medium enterprise, how to resolve the problem of lacking development fund in the aspects of making the service system is very important. Experts forecast the intermediate zone will become one of the high additional value industries, among them the private small-medium enterprise with its superiority play an important role, so its problem of the development fund is then going to be the spotlight. At our country, how to resolve the financing problem of business enterprise still mainly depends on the bank currently. Because the credit system of the market norm hasn't been build up, the credit behavior lacks the control in budget and system, which resulting serious distortion of the credit relation and the widespread morals hazard behaviors in financial market. At present there is "cherish the loan" phenomenon and private enterprise lacking funds appearing in our country banking which just explained this. The credit evaluation rating is the foundation of the commercial bank credit loan property risk management. Preventing against credit risk is one of the core contents in the bank property management, so the bank need to urgently build up a set of credit evaluation rating system as well as manage it efficiently. This theory is just put forward under these circumstances.This text combines the bank and the realistic need of the related industry according to analytical and Fuzzy mathematics of system as well as the relevant theories method of the domestic and international bank credit evaluation rating, instructed by the expert and the leading tutor, constituting the credit evaluation rating index system of the small-medium business enterprise in the intermediate zone industry, applying the evaluation methods of analytical hierarchy process(AHP) to define each index weight number. On this foundation, build up multi-hierarchy fuzzy comprehensive judgment model, and use the model to do experiment.The credit evaluation on customer whether is reasonable, scientific; accurate determines the success or failure of the bank loan. Stand at the eagle of commercial bank, which aims at the up-to-date condition of the intermediate zone industry the private small-medium enterprise to carry on analysis and summary, making use of scientific method refine a set of true, viable credit index system, hope which to fill up some empty in the bank's loan work, as well as promote the development of the private small-medium enterprises of the intermediate zone industry.
Keywords/Search Tags:intermediate zone industry, small-medium enterprise, credit evaluation rating, index system, fuzzy comprehensive judgment
PDF Full Text Request
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