Research On Credit Risk Rating System Construction Of Small And Medium - Sized Enterprises In China

With the rapid development of economy, the development of small and medium-sized enterprises in our country, the growing, for our country made great contributions to the development of national economy. But we should see, financing difficulties are also restricts the development of small and medium-sized enterprises, businesses can’t financing, unable to expander the scale of production and operation, the enterprise will not make more contribution to national economic development, the circulation pattern to cause the attention of scholars. The root of the financing difficult problem is that small and medium-sized enterprise credit problems, therefore to establish a scientific and reasonable effective rating system is the key to solve this kind of problem. At present, the use of all kinds of index system is built according to the characteristics of large enterprises, many indexes are not suitable for small and medium enterprises, also won’t be able to accurately reflect the status of small and medium-sized enterprise’s credit. To sum up, in practice, however, we need according to the actual situation of small and medium-sized enterprises to analysis, we can from the perspective of index system building, to establish a set of reasonable and effective index system, in order to realize the reasonable evaluation for small and medium-sized enterprise credit conditions expected to ease the financing difficult problem.This article, we choose the basic theory of small and medium-sized enterprise credit rating as a starting point, first of all, from the present situation analysis, draw a rating system of small and medium-sized enterprises in our country at present development condition. At the same time, we also shortcomings and the insufficiency of existing rating system are expounded, and finally points out the importance of a set of reasonable and effective mechanism of rating. Then the article from the principle of building the system and content of the index selection has carried on the detailed narration, according to the principle of setting by using the method of qualitative and quantitative analysis, on the basis of the existing index system joined the analysis of some factors, such as the repayment willingness and cash flow, etc. We hope that through the narration of the article, for the construction of small and medium-sized enterprise credit rating system to become an important measure of China’s economic development, which can effectively prevent credit risks, to solve the problem of small and medium-sized enterprise financing difficulties smoothly put forward effective measures, to promote better and faster development of the economy in our country finally.