Credit Evaluation System Of High-tech Smes In The Credit Facility

Since 1990's, development of high-tech medium-sized and small enterprises (SMEs) has been the priority that governments of all countries in the world and the researchers show solicitude for. In recent years, China's high-tech industries has had prompt development, and become the important power that drives the sustained development of national economy. But, the basis of our country's high -tech industries is comparatively weak , compared with the developed country, still have very big gaps. And the outstanding problem is that the fund is under-supply.On the basis of analysing the growing stage characteristic and financing characteristic of high-tech SMEs, union our country's present reality, author points out that commercial bank credit will be the main financing channel of China's high-tech SMEs within long period of time. But, at present there has obvious financing gap between the commercial bank credit and the credit demand of high-tech SMEs. So, what cause leads to high-tech SMEs have the obvious obstacle in credit financing? The author thinks that one of the main causes is that the currently credit appraise way of China's commercial bank is not suitable for the high-tech SMEs. Therefore, the author attempts to build a new credit appraise system which attaches importance to the director's fundamental quality (such as entrepreneur ability) and technology ability of the enterprises. And submitting suggestions to perfect the credit appraise system of high-tech SMEs. Wishing the paper can advance useful advice to solve the financing problem of high-tech SMEs in China, and push forward development of high-tech SMEs.