Research On The Financing Guarantee Under The Condition Of The Enterprise Credit Rating System

Small and medium-sized enterprises in our country currently occupy very importantposition in our national economy. But due to the small size and low credit factors lead theyfall into financing difficulty. So financing guarantee enterprise arises at the historicmoment under this kind of situation. To their credit as a guarantee relationship with Banks,to a great extent, alleviate the financing difficulties of the problem. The financingguarantee company manage itself credit, facing the risks, how to control the risk offinancing guarantee companies become the main problem at present. As how to choose asuitable small and medium-sized enterprise as guarantee customers reduce compensatoryrate become key problem. Therefore, aiming at the present problem of financing guaranteecompanies, to research for financing guarantee based on the condition of enterprise creditrating system is very necessary.First this paper briefly introduces the background and significance, and the civil andthe abroad research status was objectively evaluated. To point out the current status quo ofthe studies are not insufficiency. And the research ideas and research methods in this paperare showed.Secondly, based on the related research content definition and theoretical basicreference, established based on the financing guarantee under the condition of the essentialtheoretical foundation of the enterprise credit rating system.Thirdly analysis of the current our country financing guarantee companies andenterprise credit rating index system development present situation and the existing riskproblem. Pointed out in this paper, the feasibility and urgency content is studied.Then, through comparing traditional credit rating method at civil and abroad, it isconcluded that based on the financing guarantee under the condition of enterprise creditrating appropriate to use credit scoring method. In reference to the establishment of theindex system of enterprise credit rating methods and design principles, the premise ofindex is screened. And through correlation analysis and discrimination analysis determinethe final index. This paper analyzes the various method of determining the index weight, considering the particularity of index. Then the analytic hierarchy process is chosen as themethod for determining the index weight, and the credit rating model is constructed.Finally choose a company as a case, applying the model to verify its rationality andreliability.