The Financing Guarantee Rating System Research On The Middle And Small Enterprise

The middle and small enterprise is the base of each industry development,also is the important national wealth builder.The science innovation is the sole weapon for enterprise develop,The financing is the mainly pipe of the enterprise manufacturer material coming.Guarantee industry is important for middle and small business financing.The traditional bank finance supply ability is more less of many middle and small science finance requirement.Guarantee credit rating is the important way of guarantee company risk identification procedure,and is similar with the bank,bond capital market etc.credit rating theory.The Chinese and foreign rating theory are all divide the rating index to quantitative and qualitative index,this is financing enterprise comprehensive evaluation index and quantity index.The international famous rating company is focus on the qualitative index analysis,and native rating system make the quantitative and qualitative analysis more balance.When the internet waves coming,nearly all the middle and small enterprise and consumers are effected by the new technology of the internet plus,mainly party of the middle and small enterprises change their once operation model,use the internet,science promote own management,produce,design,research,sale,service fields raising,and turn to the middle and small science enterprise.Their internet index with the traditional finance index have the logic,pass the analysis,really internet index has the correspond relationship with enterprise management and finance index,the internet index can been selected into enterprise guarantee rating system and use as the qualitative index in the rating system.After financing enterprise internet online operation,enlarge original offline market competition range,the guarantee company require universalize analyze the online and offline factors,hope to find related data to measure the different enterprises effect of the internet and science.Pass the game theory analysis,the middle and the small enterprise reform management by the new technology,the market competition result is high connection with the relationship of the cost and revenue,the directly reflected index is the profit rate,so take the profit rate as the important science qualitative index using in the rating system.In the existing credit rating system,the weight ratio of qualitative index and quantitative index is4:6,the quantitative Analysis index based on financial index can account for a larger proportion.This article constructs the electronic Commerce data and the Enterprise Innovation Index under the Internet to the new credit rating model index system,and assigns the 25% weight,the traditional financial index assigns the 75% weight,Establish a new credit evaluation model.Through the nonlinear method of neural network and the linear method of AHP analytic hierarchy process,the empirical analysis shows that the new credit Guarantee Rating index system can effectively reflect the company's operating situation.The guarantee company can rely on the new rating model,evaluate the credit status of SMEs in the internet age,and rely on the rating data for SME's guarantee market development and financing management.China's SME guarantee relies on the state-owned guarantee company as the main body of the security consortium,the new Credit guarantee index system used data in the body can be shared;In this connection,the guarantee company can provide better financing guarantee service for SMEs in the era of "Internet +".