The Optimization Study Of A Bank's Small And Medium-Sized Enterprises (SMES) Credit Rating Indicator System

For China's current economy,small and medium-sized enterprises are the most dynamic part of it.They play an important role in both the development of the economy and the reform of the economic system.But for these enterprises,financing is the biggest obstacle in their development.This is mainly because Banks have not established a corresponding credit rating index system for smes.Enterprise credit rating is an objective and fair evaluation of the rating subject's ability to assume economic responsibility and the degree of trust in various aspects by using a series of analysis methods and referring to the scientific index system through concise and standard written symbols,and the rating subject is determined with credit rating.However,it was not until the 1980 s that the concept of credit rating was introduced into China.The development time of the credit rating system is still relatively short,and there are still many deficiencies in the system that need to be improved.Based on the small and medium-sized enterprise credit rating index system as the research objectk A as the research object.By analyzing the credit rating index system of bank A,then identify problems and learn from the experiences of the United States,Japan and others.On this basis,based on the fuzzy comprehensive evaluation principle,this paper establishes a credit rating index system for smes.In order to make the system better reflect the operating conditions of small and medium-sized enterprises and make them more objective and scientific,this paper selects two methods: financial index and non-financial index,and USES ahp to determine their weights,so that the system is more suitable for rating problems and bank A can better rate the credit of small and medium-sized enterprises.Finally,the case is used to analyze the evaluation model.It can be seen from the analysis results of the model that the calculation results of the model are relatively accurate and have strong practicality,which can provide reference for the construction of commercial Bank rating index system for SME credit.