The Positive Research Of Credit Evaluation Indicator System Of Micro-Enterprise

Credit as the cornerstone of the market economy, affect a country’s effective functioning of the market economy. But in recent years, in the operation of China’s market economy the phenomenon of lack of credit frequently appeared, such as inter-enterprise debt default, enterprise-to-bank default. As the direct or indirect impacts of lack of credit, China’s market economy suffered huge losses. The indirect impacts bring more losses than the direct impact. Because the indirect impacts cause Information Asymmetry phenomenon between the enterprise and the bank.This article’s research object is to establish a credit evaluation indicator system of micro-enterprise. The author wanted to scientific judge the credit situation by this system. And this article gives someone who will carry out research on credit evaluation indicator system of enterprise (huge-enterprise or Smes) advice. Finally we will found a scientific system to judge the credit situation of enterprise. By this system, we can improve the benefits of compliance with credit and the loss of not compliance with credit.The full article divided to five chapters, the main contents are as follow:Chapter1introduced the research background of this article, the research intent of this article, the innovation and lack of the study, and the definition of the concept in this article. Chapter2is the literature review of corporate credit evaluation index system In this section the author combined the credit evaluation method summarized the domestic scholars and foreign scholars research on corporate credit evaluation index system. Chapter3is to establish the credit evaluation indicator system of micro-enterprise. In this section the author proposed twenty-four indicators by expert advice and reference to the results of previous studies. Then the author use logistic regression model to test the validity of credit evaluation indicator system of micro-enterprise. And then the author summarized the final credit evaluation indicator system of micro-enterprise. Chapter4is the system’s test. In this section the author used the standard which to test model’s accuracy and robustness. And then the author obtained a credit evaluation model of micro-enterprise for x area that can test micro-enterprise credit in x area. Chapter5is the conclusions and suggestions. In this section the author concluded the credit evaluation indicator system of micro-enterprise. And the author concluded the experience to use this system. And in this section the author made suggestion about credit evaluation method.