Research And Application Of Credit Evaluation System For Small And Medium-sized Enterprise

The small and medium-sized enterprises has a very important position in China.Nowdays the evaluation of small and medium-sized enterprises tend to use large enterprises evaluation system, more emphasis on comprehensive. In this context, we need to establish a credit rating system suitable for small and medium enterprises.In this paper, the small and medium-sized enterprise evaluation system is based on a lot of literature information, banks, Guarantee Corporation and other financial institutions evaluation system. The relative weights of elements were calculated by analytic hierarchy process.Then, this paper constructed the small and medium-sized enterprise credit evaluation model. The quantitative indexes is firstly standardlized, then use linear weighted method to calculate the quantitative indexes.Qualitative indicators are evaluated by means of fuzzy mathematics comprehensive evaluation method. Finally, taking Jiangsu SX Electronic Co. Ltd as an example, using the model to evaluate their credit.The innovation of this paper is mainly in the construction of small and medium-sized enterprise evaluation system, which is especially learned by the Wuxi Xishan Xintai Investment Guarantee Co. and obtain the practice experience of industry experts, qualitative evaluation system mainly based on this. B put forward to promote the credit rating agency market, the establishment of credit data platform to provide credit services advice.