The Study Of Credit Rating System For Small And Micro Science-technology Enterprises

Since eighteen National People's Congress,the transformation of China's economic development has become an important part to speed up the transformation and upgrading of industrial structure,small and micro science-technology enterprises will serve as the basis for an important part in the transformation of economic development mode;at the same time,small and micro science-technology enterprises as China's innovation driven strategy of the most potential and active groups,they are important strength of building an innovation oriented country.However,because of the small and frequent demand for funds,the asymmetry of risk and income,the uncertainty of future development and the high density of intangible assets,the financing of small and micro businesses is usually not enough to bank,which leads to the difficulty of financing.In order to improve the supporting policies of small and micro science-technology enterprises,the most important thing is to improve their credit evaluation index system and evaluation method,which is conducive to financial institutions to carry out financial services for small and micro science-technology enterprises.This paper takes the construction of credit rating system of small and micro science-technology enterprises as the research object.First,it expounds the definition and credit demand characteristics of small and micro science-technology enterprises,Next,it analyzes the current situation of bank credit service in domestic small and micro science-technology enterprises combined with the example of Ningbo Bank.Then,based on the theory of credit rating,combined with the characteristics of small and micro science-technology enterprises,we select the credit rating index of small and micro science-technology enterprises,and determine their credit index system.Finally,combined with the specific case analysis of enterprises,some suggestions are put forward to improve the credit service of small and micro science-technology enterprises in China.