SMEs Credit Rating Based On Neural Network

The issue of financing becomes more and more prominent among small and medium-sizedenterprise in our country with the rapid develop of our country′s economy. The main cause the verydilemma is the serious information asymmetry between commercial banks and small andmedium-sized enterprise. As a machinery scheme, the credit rating becomes a necessary result ofthe society and economy development. Accurate and scientific credit rating toward small andmedium-sized enterprise can not only enhance the enthusiasm of the loan from commercial banksand other financial institutions to small and medium-sized enterprise so as to solve their financingdifficult problem, but also enhance the relative institutions′profit space.This paper first introduces the related theoretical concepts of credit risk. Then introduced thecredit rating theory and the principle of establishing the index system so as to put forward to thecredit rating index. Then it comes to introduced some common credit rating model and pointed outtheir advantaged and disadvantages. Furthermore, on the basis of referencing foreign credit ratingagencies′advantageous experience, aim to our country′s small and medium-sized enterprise,through the method of genetic algorithm, neural network to set up a view of our country′s small andmedium-sized enterprise credit rating model. Finally, through the collection of data to conducted anempirical study, which achieved a fine effects. It is a trial to build our country′s small andmedium-sized enterprise credit rating system in the first attempt, hoping to attractive more.