The Credit Risk Management Of Small And Medium-saized Technological Enterprises

High-tech SMEs with its own unique and innovative, high growth in modern economic systems, are an important force in the SMEs group and the most dynamic and promising economies. However, the development of high-tech SMEs has been plagued by shortage of funds, and bank loans are always the most direct and convenient ways to solve financial problems of SMEs. Due to asymmetric information, banks tend to assess SMEs Credit risk in inappropriate ways. Foreign experience shows that credit risk assessment is the most effective way to solve the problem of asymmetric information, and therefore an accurate assessment of SMEs credit risk is important on the demand side and the supply of funds.At present, China does not have a standardized and easy credit risk evaluation system for SME, in practice ignored the vague nature of the credit evaluation process. In this paper, for the study of SME, SME characteristics explore, build three-set evaluation results of previous studies in drawing, based on full consideration of external security situation of SME, the situation involving litigation, banking credit status credit history outside factors mortgaged real estate, machinery and equipment can be secured, the third issued guarantee quality of these six areas, set up a comprehensive evaluation system. In addition, we use the fuzzy comprehensive evaluation method, considering the way of obtaining quantitative and qualitative indicators of fuzzy evaluation matrix, which is integrated with the actual evaluation method SME, forming a simple and feasible evaluation model, measurement technology credit risk of SMEs.Through the evaluation of SME credit risk of a complete system, hoping to banks and other lending institutions, high-tech SMEs and research scholars committed to play in this regard reference in practice.