Research On The Credit Rating System Of Small And Micro Enterprises

Small and micro businesses as the foundation of the national economy, itsdevelopment directly affects the level of economic development.The shortage of domesticand foreign demand,"three highs and two dilemma"(high production cost, high laborcosts, high taxation and the problem of financing, the implementation of supportivepolicies) problems, have seriously hampered the development of small and microbusinesses. The financing problem has become the biggest obstacle for small and microbusinesses. The essence problem of small and micro businesses financing is the credit, firstof all, the lack of small and micro businesses credit, limit the channels ofthe financing; secondly, financial institutions lacks credit rating system of small and microbusinesses, can not distinguish the business situation and the credit level; thirdly, socialcredit system is still in the construction period, increases the difficulty of acquiring creditinformation and the cost of financing. Therefore, constructing the credit rating system ofsmall and micro businesses has become an important way to get rid of the financingpredicament.This article firstly analysis the actual performance, the consequences and reasons offinancing. Through the analysis of the reasons, puts forward with an idea that construct thecredit rating system of small and micro businesses, to alleviate the financial pressure.Whendesign the framework of rating system, considering two factors that the operation processand system security rating activities. Propose the "a database framework, two systems"concept, that is small and micro businesses credit information database, the credit ratingindex system of small and micro businesses and the credit rating regulatory system.Secondly, analyzes each part of small and micro enterprise credit rating system, for thedatabase of credit information, the article based on the problems of informationcollection, database integration and operation, proposed some way to solve the problem,like establishing a unified national database, realizing the sharing of resources, innovatingits operating mode; for the credit rating index system of small and micro businesses, inorder to solve the problem, current index system is not suitable for micro enterprise, thearticle based on the many previous research of index systems, combined with theenterprise characteristics, reconstruct a new credit rating index system of small and microbusinesses; in the aspect of credit rating regulation system, through analysis the regulatorysystem of foreign countries, learn the excellent experience, to realize the purpose ofimproving the rating supervision system in China.At last, use the new rating system to analysis the SX building materials limited company, through a single cast to analysis the feasibility of rating index system.