Research On The Optimization Of Small And Medium Sized Enterprises' Credit Rating Index System Of ICBC

The reason why I choose the financing problem of small and medium-sized enterprises as the research topic is that I had worked in the credit field of bank for many years. Moreover, I am currently engaged in the microcredit company's risk control work, and therefore, I am relatively familiar with the credit business and small and medium-sized enterprises. In the mean time, although financial business in China has been highly developing, with support of all small and medium-sized enterprises, the inherent characteristics of small and medium enterprises will cause a problem, that is, the risk exposure of small and medium-sized enterprises is obviously higher than that of large enterprises in the financing process. According to the characteristics of small and medium-sized enterprises and the research on the credit rating system of ICBC, the defects of the index system of small and medium-sized enterprises in the bank credit rating will be pointed out. Furthermore, in creditors'place and with my work examples, I conclude that the advantage of the "three dimensional risk management" index system is that it can rapidly and scientifically evaluate the financing risk levels of small and medium sized enterprises.Firstly, the paper introduces the theories of credit rating, and demonstrates related theories concerning credit rating and financing. Then, with the explanation of repayment willingness and solvency of the small and medium-sized enterprises, the paper objectively analyzes the current situation of credit financing and credit rating of the small and medium-sized enterprises. Furthermore, with the analysis of the small and medium-sized enterprises credit rating system of ICBC, both defects and advices of its index system will be pointed out. Finally, the "three dimensional risk management" will be checked in the following analysis.