Study On Guarantee Company Building The Credit Evaluation System Of Small And Medium-sized Technology-based Enterprises

Technology-based smes.in propelling the country's economic transformation,promoting scientific and technological progress,providing jobs etc play an important role.But due to the small and mid-sized enterprise assets is weak,the lack of a sound financial system,and the financing channel is relatively single,makes it harder to small and mid-sized enterprise financing.Financing guarantee company can use its own credit to provide guarantee for eligible enterprises,which eases the small and mid-sized enterprise financing difficult question.As a guarantee company,how to choose the right guarantee object will be the key.Therefore,according to the characteristics of Technology-based smes and guarantee agencies risk management present situation,the research for guarantee the enterprise credit evaluation system has certain practical significance.This paper is based on the perspective of guarantee company,and the credit evaluation system is the research object,on the basis of analyzing the development of the existing customer credit evaluation system of the guarantee company,it points out that building a technology-based small and medium-sized enterprise credit evaluation system has the necessity and feasibility;Based on the characteristics of technology-based smes and guarantee agencies risk management situation to perfect the existing index system,by using the analytic hierarchy method and entropy value method to build a credit evaluation system,then,a practical project guarantee company in Beijing as a case to verify the effectiveness to build a credit evaluation system.The result shows that the actual performance of the project is consistent with the result of the credit evaluation system.Finally,combining theoretical and empirical research,from guarantee agencies according to the guarantee period properly adjusting the index weight,echnology-based smes to strengthen cash flow management and the government to optimize the external environment,three levels proposed development guarantee company credit evaluation system,ease the small and mid-sized enterprise financing proposal.Innovation of this paper has two aspeacts.: one is the introduction of counter guarantee measures on a secondary index indicators,and combined with the characteristics of technology-based smes to be subdivided into intellectual property mortgage,pledge of accounts receivable,equity and real estate mortgage pledge.The second is the introduction of the intangible asset turnover rate,the proportion of full-time r&d personnel and the growth rate of r&d investment in the three-level index,highlighting the importance of r&d investment to the technology-based smes.