Research On Credit Evaluation System Of Guizhou Small Micro Enterprise

Recently, with the rapid growth of China’s economy, small and micro enterprises have mushroomed all over the extraordinarily rapid development momentum, the enterprises play an important role both in terms of promoting the development of the market, and the absorption of employment.The effect of small and micro enterprises in promoting national economic development is irreplaceable.Specific to small and micro enterprises in Guizhou Province developments, the number of small and micro enterprises in our province in the past five years had an explosive growth.According to the Guizhou rural credit cooperatives to establish small and micro enterprise economy archives shows,the number of small and micro enterprises in Guizhou had grown from 106000 in 2010 to 320000 in 2014,played an irreplaceable role in promoting scientific and technological innovation, and rapid economic development for our province,small and micro enterprises have become the local economy a new growth point.But despite a good momentum of development,small and micro enterprises in the province’s economy is still in a weak position,facing many development challenges, and difficulties in financing have become the number one problem in restricting the development of small and micro enterprises.Their own poor credit rating is the root reason for difficulties in financing,credit rating agencies are not carrying credit rating of small and medium-sized enterprises and micro enterprises to distinguish,in the same standard,small and micro enterprises credit status can not be fully reflected,so,if you want to make small and micro enterprise getting a fair and reasonable credit rating result,it must be designed a suitable credit evaluation system for small and micro enterprise,and which is the purpose of this study.To achieve this purpose,in this paper,i design the ‘Guizhou Province small and micro enterprise credit evaluation system questionnaire’,in order to survey the current situation in our province’s small and micro enterprise credit evaluation,and separately from the enterprise, rating agencies and the Government’s three main roles expounds the current province of small and micro enterprise credit evaluation system problems,the result of survey provide a strong evidence base for this writing;then through the introduction of advanced and mature small and micro enterprise credit evaluation system abroad,learn from the experience of their success providing a detailed theoretical basis for the suggestions of improving Guizhou smallmicro-enterprise credit evaluation system.