JN Agri-Businesses Banks Of Smali And Medium-sized Enterprise Credit Rating Index System And Application Research

Since eighty s of the 20 th century, under the guidance of the spring breeze of reform and opening-up,small and medium-sized enterprises in China’s booming,has become an important part of socialist market economy in our country and important growth point of national economy. Therefore, small and medium-sized enterprises can be sustained,rapid growth,a direct impact on the steady development of our country’s economy or not,that is, small and medium-sized enterprises has become to promote the harmonious development of our society and economy of a force to be reckoned with. But imperfect market economy of our country is still in the stage, which to some extent affected the development of small and medium-sized enterprises, one of the biggest problem is the imperfect financial market, the small and medium-sized enterprise financing difficult question. And small and medium-sized enterprise financing difficulties there is one important reason why China’s financial industry in the credit rating without more accurate fair credit rating system is available, so can’t accurately evaluate the enterprise’s credit rating. Therefore, our country financial industry need to establish a perfect credit evaluation system suitable for small and medium enterprises, so that we can solve this kind of enterprise to a great extent, the difficulty of financing, which provide financial support for the development of small and medium-sized enterprises.This article through to the enterprise to study the main rating method of credit rating,reference to domestic commercial Banks in the aspect of enterprise credit rating of the concrete practice, combined with Jacqueline Nottingham bank the status quo of small and medium-sized enterprise credit rating, at this stage is given for Jacqueline Nottingham bank method of small and medium-sized enterprise credit rating. This method is mainly divided into the following four steps: first is to determine the rating indexes, the research analyzes the international advanced credit rating system, on the basis of adopting the system of indicators, and combined with the characteristics of the small and medium-sized enterprises in China, closely combined with the actual situation of Jacqueline Nottingham bank, through using the method of cluster analysis, the design is suitable for the small and medium-sized enterprises(smes) the bank credit rating index system, and the detailed explanation of the meaning of each index; Second to calculate the weight of each index, and using the combination of qualitative and quantitative analysis of analytic hierarchy process(ahp), determine the basic qualities of enterprises,enterprise financial position, credit standing and the weight of each index of in the enterprise development prospects; The third credit rating model is set up; Finally through the analysis of the specific situation of the rating object, using the rating model for grade credit rating companies, according to the results of the model of the feedback control enterprise credit scale to determine the enterprise’s credit rating.Built to verify the practicability and feasibility of credit rating model we use for this rating model in the construction industry representative building installation co., LTD.Shandong XX of the credit rating. Through the model results and the actual situation of comparative analysis, we found that this paper this paper established the credit rating model has very strong practicability and feasibility,for the financial industry has a certain reference value.