Credit Rating System Of Small And Medium Enterprises Of Joint Credit Management Co.,Ltd.

The credit plays an important role in the market economy, especially the credit ratingplays an important role in the market economy, which constitutes the main core of the market economy. With the development and prosperity of the market economy, the value of credit rating is even more prominent. In the current situation of the current financial system is not sound, many commercial banks will be the company's credit rating as the only basis for giving funds. At present, commercial banks will be on loan to the enterprise credit review, including internal and external review of the audit. Credit rating is a common means of credit review,but also an effective measure to control the risk of bank loans. Commercial banks are sure that the results of the credit rating of enterprises to determine whether the loan to the enterprise, the number of loans, loan types and so on. From this we can know that the credit rating of enterprises must follow the principles of openness and fairness. How to ensure the fairness and science of credit rating is the content of the long-term research of commercial banks.In the credit rating of the enterprise, joint credit management Co. Ltd. is the largest, most extensive cooperative enterprise and bank credit rating system of Rating firm, is widely used in joint credit management Co. Ltd, has a different rating, price of good practical value. This paper selects Shenzhen Renda company as a case, the credit rating of the joint credit rating system, lack of credit rating system to explore the joint credit Rating firm in, can provide practical guidance for joint credit Rating firm.This paper reviews the related research on credit and credit rating, illustrates the related overview of united credit management companies, including the company qualification, credit rating, and then to Shenzhen Renda company as a case, using a combination of credit rating system management company of Shenzhen Renda company for rating, finally, starting from the examples, the combined credit rating problems.