Research On Credit Risk Combination Evaluation Of Small And Medium - Sized Technological Enterprises

SME generally refers to such a class of high-tech small and medium enterprises, theseenterprises have a considerable percentage of R&D scientists and technicians to carry outresearch and development activities through product innovation and process core technology,while corporate R&D investment had a high proportion of its core the purpose is to providehigh-tech products or services. According to relevant statistics, in our country in all types ofenterprises in technology, the number of SME accounting for over90%of the industrycovering biomedical, optical electromechanical integration. Such enterprises to increaseChina’s per capita GDP, the improvement of living standards even played an important role inpromoting, directly affect the long-term goal of enriching the people to implement. Althoughresearch on credit evaluation system for general corporate and SMEs have been morecomprehensive, theoretical methods are many, however, theoretical studies for SMEcharacteristics, especially considering the study of SME credit risk assessment is stillsignificantly less. Therefore, such enterprises urgently need a professional evaluationmethods involved with SME credit risk for a comprehensive and scientifically evaluated.In this study, the key factors for SME credit risk evaluation process, the selection of theimpact of SME credit risk, credit risk evaluation index system established for SMEcharacteristics, building empowerment portfolio credit risk evaluation for integrated cloudmodel. Further, the data collected for the indicators listed dozens of SME, using empiricalanalyzes were based on a combination of empowerment comprehensive evaluation modelbased on cloud model and operator. Finally, fuzzy evaluation method for the evaluationresults of two different combinations of evaluation in order to eliminate disadvantages of thedifferent evaluation methods. In this study, in order to provide SME basic science researchbuilding in own credit, avoid credit risk, credit conditions for investors to judge whether anenterprise to provide theoretical support to help some sense of SME financing, so that theclass starting from the results of the evaluation companies to improve their credit rating,pioneering the way SME credit support, reducing the cost of SME credit transactions and toimprove the conversion rate of scientific and technological achievements reality.This is the first of the three evaluation methods will be introduced to the SME creditevaluation system which, through empirical research model for corporate credit riskassessment provides some ideas, establish a credit rating system is relatively SME science,but also for establishment of SME credit management system foundation.