Research On Credit Assessment Of SME Credit Financing

With the scientific and technological innovation is more and more important,SME as the backbone of innovation get more attention.SME development has been trapped in "financing" in the long-term.The reasons for financing problems mainly are its high-growth,high-risk,and low transparency.Therefore,the credit rating for SME credit financing is an effective mean to solve asymmetric information.Credit assessment methods that have already been applied are not feasible because of unavailable data.Based on this situation,this study do the following works:(1)Analyze and count the information of literature,breaking the limitations of confirming evaluation factors from only one perspective,and build the system to evaluate SME credit To ensure the scientificalness of system,this study also examinate the system by using the GEM SME data.(2)Try to quantify the qualitative index by field research and other ways.(3)Use analytic hierarchy process to empower the factors through questionnaires.(4)Use the data(2012-2014)of A corporate,to put the system to use.This study figure out that the system is rational and feasible,and it could be used to provide reference for credit institution to make decision.However,this research is still inadequate,the evaluation system would require additional improvement,quantitative evaluation indicators have yet to be continue to explore,establish criteria for evaluating values also need to complete further in practice.