Research On The Optimization Of The Credit Rating Indicator System For Scientific And Technological Small And Medium-sized Enterprises In Henan Province

In recent years,in order to promote the implementation of China's independent innovation-driven development strategy,from the central to the Local has issued a series of policies to increase support for science and technology small and medium-sized enterprises.However,there are some shortcomings in science and technology small and medium-sized enterprises,such as late start,small scale,management disorder and imperfect financial system,when applying for commercial bank loans,their credit level is difficult to be accurately evaluated,which leads to the dilemma of financing difficulties.The credit rating index system of existing commercial banks,mainly for large enterprises,is not aimed at the characteristics of small and medium-sized enterprises,which is also the cause of small and medium-sized enterprises(including science and technology small and medium-sized enterprises)"financing difficult" dilemma.Therefore,this paper aims at the optimization of the credit rating index system of science and technology small and medium-sized enterprises in Henan province,which has theoretical and practical significance in promoting the construction of credit rating index system of sci-tech small and medium-sized enterprises in Henan province.This paper focuses on the research object of science and technology small and medium-sized enterprises in the software and information Technology Service industry of Henan Province,in the research method,one is to determine the qualitative index of credit rating by drawing on the experience of third party's credit rating and field investigation,and the second is to use the method of system clustering to screen the financial index,The quantitative index with strong identification ability is determined,and its weight is determined by analytic hierarchy process,and the third is to invite industry experts to give the scoring standard for the identified index system,and finally use case analysis to use the current index system and the optimized index system to carry on the credit rating to the case,The rating results are compared and analyzed and the research conclusions are drawn.Compared with the credit rating index system of small and medium-sized enterprises in generalcommercial banks,this paper aims at the characteristics of sci-tech small and medium-sized enterprises,and the optimized index system mainly highlights cash flow,innovation ability and supply chain operation,and improves the weight of non-financial indicators.The result of using this index system to carry out credit rating to case enterprises is much higher than that according to the General Commercial Bank credit rating index system.The optimized index system is helpful to improve the credit level of sci-tech small and medium-sized enterprises,alleviate the predicament of "financing difficulty",and promote the rapid development of sci-tech small and medium-sized enterprises.Further,this paper holds that in optimizing the construction of credit rating index system of science and technology small and medium-sized enterprises in Henan province,the government should give policy support in the aspects of rating fee subsidy and strengthening enterprise tutoring,and banks should actively explore the multi-dimensional and characteristic credit rating index system of sci-tech small and medium-sized enterprises by using big data.;Third-party rating agencies should actively cooperate with commercial banks to improve the accuracy of credit ratings for sci-tech SMEs and reduce credit risk by taking advantage of their respective advantages.Enterprises should take the initiative to strengthen contact with financial institutions and invite financial institutions to give necessary guidance on the financial management and financing needs of enterprises.