The Research On The Credit Rating System Of Small And Medium Sized Enterprises In China’s Commercial Bank

Since the reform and opening up, the market economy of our country hasdeveloped rapidly.Among them,SMEs make an outstanding in the development ofChina’s socialist market economy.Currently, SMEs in the high-speed developmentperiod, requires a lot of capital to further grow and develop.The Country and financialinstitutions have issued a lot of laws and regulations about the problem, but FDOMEis still an important problem to settle.Although more financing ways for SMEs, but China’s commercial banks lendingto SMEs is still the most important financing channels.But very difficult for SMEs tobank loans because of credit problems. Although banks will do corporate credit ratingbefore lend money.But credit rating index used by the commercial banks is designedfor large enterprises.Therefore, the irrational apply of credit rating index system onSMEs’ financing and loan has adverse impact on them. So, Therefore, this paper isaccording to the main features and principles of SMEs and refer to the relevantliterature records, built for commercial banks in SME credit rating index system, andusing the index system set up SME credit China’s commercial banks rating system.This paper consists of five chapters.The first chapter is introduction.Theintroduction explains the background and significance of the topic, the domestic andforeign research status, research content and methods, the paper’s innovation, whichlaid the foundation for the launch of the entire study. The second chapter introducesthe relevant theoretical knowledge of SME credit rating.The third chapter buildsrational SME credit rating index system for commercial banks and comprehensivelyelaborates the choice of SME credit rating index,the calculation of weight,the methodchoice.The fourth chapter selects a company listed on the Shenzhen sector, mainly3tests the practicality of the credit rating index we constructed above by applying it tothe analysis of the enterprise credit rating.The fifth chapter makes a summary of thefull text, and gives suggestions to improve our level of SME credit rating.