County SMEs Value Evaluate For Commercial Bank Credit

In recent years， small and medium enterprises(SMEs) characterized by a varietyof forms of ownership develop rapidly，which is playing an increasingly importantrole in economic and social development of the county. With the increase in thenumber of these SMEs and the expansion of their scale， their demand for funds isgrowing， but for various reasons， the county financing for SMEs has become thebottleneck， which is restricting its development. Greatly improve the financingenvironment and research of county SMEs value evaluate for commercial bank credithas far-reaching significance.This paper first introduces the connotation and function of the commercial bankcredit， studies the definition of county SMEs， analyzes of the characteristics ofcounty SMEs，Then the principles and concept of country SMEs credit financing aredescribed in detail. At the same time， According to the analysis of relevantinformation， the paper show the credit financing situation and financing innovationof County SMEs. And then the paper points out that direct financing channels ofcountry SMEs is narrow，credit guarantee system is not perfect and the imbalancebetween capital supply and demand is very serious. Next an analysis are done for thecauses of the difficulty of the county SMEs financing, which the perspective is"omission" of financial institutions and unreasonableness of the credit accessconditions set.The credit assessment and evaluation methods are changed in order to break thepredicament of the county financing of SMEs. County SMEs value evaluate method issuggested for commercial bank credit with the resources county SMEs own, and fuzzycomprehensive evaluation method is taken to assess and measure the integrated valueof the county SMEs in Financial position, operating conditions, organizationalcharacteristics and development potential of the four major aspects, the results ofcalculate the value provides a reference for the credit facility. This method overcomesthe one-sidedness and limitations of traditional evaluation; let some county SMEsaccess to credit which difficult access to credit by the traditional assessment.Finally, the use of an actual case demonstrates the basic process of the value ofthe county SME credit financing, which test the operability and practicality of themethod.