Study On Small And Medium Enterprises Credit Rating System Of D Commercial Bank

As an important part of our national economy, Small and medium-sized enterprises of our country contribute more than 65% of GDP, indispensable to promote China’s economic growth. However, there are many obstacles in these enterprises, one of the most prominent is the financing difficult problem, single financing channel and higher financing costs are restricts the development of small and medium-sized enterprises. Although current Internet finance for small and medium-sized enterprises provide such as P2P network and platform of the raise loan financing channels, but still can’t solve the problem of financing difficulties. At present, through the indirect financing of commercial bank is still small and medium-sized enterprise financing the main channel, and in terms of commercial Banks, and is particularly important for small and medium-sized enterprise credit risk evaluation.City commercial bank was founded by a group is to provide financial support for the local economy, has become of choice for small and medium-sized enterprise financing channel. In this paper, the existing D commercial Bank of small and medium-sized enterprise credit rating analysis of existing problems, based on the existing problems and predecessors’ studying results preliminary choose 6 kind of 26 indicators, and through the small and medium-sized enterprises of small and medium-sized board listed the relativity analysis of financial data screening of quantitative indicators, through questionnaire to screen the qualitative index, finalized 10 qualitative indicators and 6 quantitative indicators. This paper USES the analytic hierarchy process for the heavy weighting, to build a new system of small and medium-sized enterprise credit rating.This article selects the seven good credit and three bad credit customers of D commercial Bank for empirical analysis, using the new index system to 10 companies to determine the credit rating, compared with the rating system to improve before the result is more reasonable, the small and medium-sized enterprise credit risk of D commercial bank, improve the credit level has important significance and practical value.