Research On The Optimization Of Small And Medium Enterprises Credit Rating Model Of Lande Guarantee Company

With the emergence of financing guarantee,the SMEs in China have an incredible opportunity for development since 1990 s.However,information asymmetry among the banking system,financing guarantee companies and SMEs remains a problem to be solved.And one possible alternative is to build up a practical credit rating method.This paper would majorly study Shenzhen Landing Financing Guarantee Co.Ltd(short for Landing).Based on the Wu’s credit theory and universal SMEs’ credit rating index system,a brand new rating method accorded with Landing’s business features is established after conducting a questionnaire.On this basis,with the aid of ahp and comprehensive rating method,Landing’s 9-scale credit rating model is reconstructed including index weight calculation and rate setting and offers a new approach to analyze the clients’ credit status.This paper has chosen 20 companies as samples to test the scientificity and practicality of the new credit rating model.It offers a rating result with following credit monitoring.The result has proved the 9-scale credit rating model has an impressively applicable effect on Landing’s business.To a certain extent,the rating model helps develop Landing’s ability in business development and overall risk management.This paper not only solves the Landing’s major issue of customer credit analysis,but also provides a possible approach to conduct customers’ credit evaluation.In conclusion,this method would produce a positive effect towards similar small companies in financing guarantee industry for customers’ credit rating.