Research On Small-micro Enterprise Credit Evaluation Model Based On Technology Of FAHP

With the deepening of financial reform in our country, microfinance for small-micro enterprise in our country is developing gradually. Especially the two sessions in2012, specializing in microfinance to affirm the legal status of microfinance companies makes small credit business developed rapidly in our country. On the other hand, the macro economic downturn and the RMB deposit interest rate mercerization continues to advance and "financial disintermediation" increasingly clear trend. In response to a series of challenges, the target customers of commercial Banks has also been gradually sinking, and small-micro enterprise credit has become the important direction of the strategic transition and business adjustment of many Banks in our country.Small-micro credit is booming in China, which increases the vitality of the financial, and stimulates the development of the economy, at the same time, makes the credit agency facing more serious challenges, namely the reasonable effective risk control problems. Because of the special role of small-micro credit, carrying on the reasonable risk control plays a very important role on the entire national economy stability and healthy operation. But at present there are still a lot of problems in our country small-micro credit risk evaluation system that can not adapt to the requirements of the development of small-micro credit today. As a result, setting up scientific credit risk evaluation system on small-micro credit and improving the quality of credit assets has become the imminent problem of Chinese financial institutions.This paper is research on small-micro credit risk rating model. In the study of enterprise credit risk evaluation system at home and abroad, combining with the characteristics of small-micro enterprise, the paper attempts to quantify the small-micro credit risk to provide a reasonable and effective small-micro enterprise credit risk rating model to credit institutions.This article first elaborated the research significance and the framework of the paper, and then discusses the credit risk rating of the related theory and method of commonly used at home and abroad, and analyzes the advantage of quantification method. Then it analyzes the characteristics of small-micro enterprises in China, and Chinese present situation of small-micro credit risk rating. Then combined with the characteristics of small-micro enterprise in China, it establishes small-micro credit risk rating model based on fuzzy analytic hierarchy process (FAHP) and by choosing Foshan ceramics factory co., LTD., an instance of the validity of the model is verified. Finally the prospect of the research is discussed.