Research On Credit Rating Of Small And Medium-Sized Enterprises Based On Cluster Analytic Hierarchy Process

In the era of continuous growth of science and technology,economic development is increasingly dependent on science and technology SMEs.Science and technology small and medium-sized enterprises play a leading role in economic progress,science and technology development and technological innovation has been "engine." For any science and technology small and medium enterprises,enterprises are most concerned about is the financing problem,which is the biggest obstacle to the development of enterprises.Enterprises have no credit and business can not be directly linked to financing,and corporate finance is also difficult because of difficult choice.Although researchers have established a scientific and technological SME credit rating index system,but the practicality is too bad,there are still many shortcomings,for some enterprises do not apply.Therefore,the key is to establish a system of credit rating of small and medium-sized enterprises with strong practical technology.Through the evaluation of corporate credit indicators to prove their credit situation,through the rating results show their ability to get financing,with more money to support enterprises,investment technology,personnel,to help enterprises better development,which is the goal of rating.In other words,the credit will be selected out of the enterprise,so that it is financing;credit bad business is eliminated,reduce information asymmetry.This article is aimed at the financing of small and medium-sized enterprises in science and technology,and the problem can be solved,based on the business behavior of small and medium-sized enterprises to design credit rating index system,and the use of clustering analysis of credit rating model to establish a set of suitable for small and medium-sized credit Rating system.This article first introduces the science and technology small and medium-sized enterprises from the aspects of definition,characteristic analysis and growth law in order to understand their basic situation.Secondly,it is based on the design of the credit rating index system of small and medium-sized enterprises based on the enterprise management behavior.According to the characteristics of the selection of small and medium-sized enterprises,the index is selected according to the principle of setting up indicators and the meaning of each index is introduced.And then through the expert scoring method to judge the importance of relative indicators to get the contrast matrix,and use clustering analytic method to determine the weight,through the consistency test to verify the scientific nature of the index system.Finally,the present situation of the development of Dongli District in Tianjin is introduced,and the data of questionnaire survey are set up.Then,through the empirical research of a enterprise in Dongli district of Tianjin,the feasibility of the index system is proved.