Reserch On Credit Rating System Of Small And Medium-sized Agricultural Enterprises

In recent years, due to the small and medium enterprise bankruptcy to financing the number ofrising gradually. First of wenzhou trapped, ordos wounds after, and recently the pearl river deltaregion from the news of the folk lending disputes. Small and medium business failures caused bythe bankruptcy of the biggest reasons for the phenomenon of financing is common. Commercialbank has the support of the local small and medium-sized enterprise historical mission, butbecause the commercial Banks internal for small and medium-sized enterprises credit ratingsystem is not perfect, the rating method, rating index from the option and the setting of the indexweight to see, all is based on the characteristics of large state-owned enterprise for rating processsubjectivity strong, in the process of enterprise mainly rating of solvency and profitabilityinvestigation, ignoring enterprise innovation ability and development ability of evaluation, the lackof cash flow analysis, performance evaluation, the innovation ability analysis, developmentcapability evaluation, the commercial bank of the current credit rating is not suitable for small andmedium-sized enterprises. Therefore, establishing a set of scientific and perfect, suitable forChina’s small and medium-sized enterprise credit rating index system and the model has become aproblem to be solved.This article from the small business credit rating theory, based on the characteristics of smalland medium-sized enterprises and credit evaluation index system, the principle of setting, learnfrom foreign advanced credit rating index system, from the enterprise basic quality, financialevaluation, the innovation evaluation, risk assessment and execution situation six aspects can builda true reflection of the small and medium-sized enterprise credit rating rating index system, theindex system will quantitative analysis and qualitative analysis, combined with static analyses anddynamic analysis, and the combination of qualitative and quantitative do both subjective objectivecoexist, the index system not only consider an enterprise’s financial position to pay more attentionto the future of the company, innovation and development ability, using AHP analytic hierarchyprocess set weight, use of membership functions for quantitative index sure membership, theexpert evaluation method for qualitative indexes sure membership, set up the multi-level fuzzycomprehensive evaluation model and determining enterprise credit rating. In order to further resultshows that the model is practical, select a public small and medium-sized enterprises is analyzed,using the model to its credit rating, and other agencies or departments of the ratings thatcomparative analysis, agreeing the ratings, it shows that this paper establish credit rating modelhas the scientific nature, feasibility, can the true, overall reflection of the small and medium-sizedenterprise credit conditions.