Research On Credit Risk Evaluation Of Small And Medium-sized Enterprises Based On Comprehensive Fuzzy Theory

Small and medium enterprises which contribute to the GDP, tax revenue and employment creation of our country,play an important role in national economy of China. Therefore, small and medium enterprises provide a broader market and a wider customer base for the commercial banks of our country. As a special kind of enterprise dealing in currency, commercial banks have to face credit risk. Because of small and medium enterprises’ specific risk characteristics, it is more difficult for commercial banks to control credit risk. For this reason,it is important to establish a credit evaluation method which is suitable for small and medium enterprises on both theoretical and practical aspects.Considering small and medium enterprises’ risk characteristics,this article summarizes the deficiencies of current views in index selection and evaluation method selection. Fuzzy comprehensive theory quantifies these fuzzy an uncertain things existing in real life with fuzzy mathematics. The theory settles actual fuzzy problems via making relatively objective, correct and realistic evaluation. This article puts forward applying fuzzy comprehensive theory to small and medium enterprises’ credit risk evaluation, which is to select active and scientific evaluation index and establish the method of small and medium enterprises’ credit risk evaluation with fuzzy comprehensive theory. In the end, this article applies this method to the credit risk evaluation of Beijing Middlings Environmental Technology Corporation.Based on classical theory and considering the risk characteristics of small and medium enterprises, this article researches small and medium enterprises’ credit risk evaluation with fuzzy comprehensive theory.1hope this research can provide some useful reference for commercial banks and theoretical research.