Research On The Structure Of Financing Credit Evaluation System For Technology-based SMES Of Shanghai Pudong Development Bank Suzhou Branch

Under market economy,technology-based SMEs have maintained a good momentum of development.It can be said without exaggeration that small and medium-sized enterprises,mainly in the high-tech industry,play an important role in promoting the growth of China's economic level.With rapid development of information technology nowadays,not only bank but also financial institutions have established credit relationships with technology-based SMEs.Among them,financial institutions are particularly important for the development of technology-based SMEs.Compared with some large enterprises,technology-based SMEs are not favored in terms of scales of operation,composition of employees or economic strength.But technology-based SMEs are quite unique compared with some ordinary SMEs.This requires the relevant financial institutions to consider not only the basic criteria of risk assessment,but also the actual situation of the enterprise in the process of conducting assessments for such enterprises.This article focuses on using the technology-based SMEs of Shanghai Pudong Development Bank,Suzhou Branch as references to conduct specific analysis and to discover the most suitable evaluation method for such enterprises in order to promote the development of science and technology finance,the accuracy of service branches and precision marketing;create inspiration and establish a standardized index evaluation system with industry characteristics,leading technology and operational standards.This article firstly demonstrates the current development status of corporate credit assessment domestically and overseas and provide relevant theoretical basis.It then describes the credit evaluation of SMEs with the reference of Shanghai Pudong Development Bank Suzhou Branch including its general background and current credit evaluation methods commonly used by SMEs.By understanding the development characteristics of most domestic SMEs,this article summarizes the credit evaluation system of SMEs of Shanghai Pudong Development Bank,Suzhou Branch.According to the factor analysis method,this article selects the appropriate financial and nonfinancial indicators by using the literature search method to divide all the indicators into nine parts.Then the article performs the analytic hierarchy process based on the weights of different levels of indicators to obtain the credit evaluation model.After completing the model,this article conducts the credit evaluation on Anrun Pharmaceutical Science and Technology(Suzhou)Co.,Ltd and carefully studies the evaluation results to conclude the research of this subject.