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Study On Small Micro Enterprises Credit Rating Index System Of Commercial Banks

Posted on:2018-04-19Degree:MasterType:Thesis
Country:ChinaCandidate:B FangFull Text:PDF
GTID:2429330542989890Subject:Corporate Finance
Abstract/Summary:PDF Full Text Request
Small micro enterprises as an important subject of our market economy,play an important role in national economic operation.Since the reform and opening up,constantly optimize the market environment for the development of small micro enterprises provides a good opportunity,the central and local governments have small micro enterprise support policies,actively implement the small micro enterprise financial support measures.Is not perfect,however,the limitation of small micro enterprise credit evaluation system,small micro enterprise financing difficulties,arrested development.How to optimize the small micro enterprise credit rating index system to comprehensively and objectively evaluate the small micro enterprise credit conditions,properly solve encountered in the process of small micro enterprises in financing of credit rating injustice problem,has become the current small micro enterprise development problems to be solved in the course.Build a scientific and reasonable small enterprise credit evaluation system can improve the accuracy and feasibility of small enterprise credit evaluation,to some extent,solve the problem of small enterprise financing difficulties,further enhance the commercial bank credit risk prevention ability and profit ability,optimized for small micro enterprise credit rating system has certain practical significance.In building a small micro enterprise credit rating index system in the process,first of all,combed the relevant theories of small micro enterprise credit rating,analyzed the characteristics of small micro enterprise credit,to explore the method of the credit rating;Secondly the paper analyzes the current situation of China's commercial Banks to small business credit rating and the existing problems,summed up experience of foreign enterprise credit rating;Then,from the selection of credit index,the determination of index weight,the division of credit standards and credit rating on the set of building small micro enterprise credit rating index system of commercial bank;After the analysis of the new credit rating index system and to evaluate the effect of current system,building new small micro enterprise credit index rating index system is feasible;Finally,from the Angle of macroscopic and microscopic,this paper puts forward optimizing measures of small micro enterprise credit rating index system are suggested.This study build credit indexes including business owners,the overall quality,comprehensive qualities of enterprises,enterprise development prospect,enterprise market competition ability,profit ability and performance ability,debt paying ability,operation ability,8 class first-level indicators,including 16 qualitative indicators,accounted for 68%,11 quantitative indicators,accounted for 32%,through comparative analysis,discover new bank credit rating system and existing rating result in overall judgment direction are consistent,shows that the small micro enterprise credit rating index system can quickly adapt to the banking system,has the promotion value.
Keywords/Search Tags:commercial banks, small micro enterprises, credit rating, qualitative analysis, enterprise life cycle theory, analytic hierarchy process(AHP)
PDF Full Text Request
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