Research On Financing Credit Risk Of Technology-based Smes

With the progress and development of science and technology,many small and medium-sized enterprises have overcome difficulties in the tide of socialist market economy with Chinese characteristics in the new era by virtue of high and new technology.For small and medium-sized enterprises relying on high-tech development,that is,technology-based small and medium-sized enterprises,not only need innovative thinking,but also need timely integration of funds to maintain the operation of enterprises.The financing credit level of small and medium-sized enterprises is directly related to the financing ability of enterprises.The credit risk caused by low credit rating has a significant impact on the fund recovery of fund providers,and at the same time,it will lead to problems such as the unsustainable follow-up operation of science and technology-based small and medium-sized enterprises.In order to improve the financing credit of enterprises to the greatest extent,ensure that SMEs of science and technology can integrate into the capital in time,and guarantee the ability of fund providers to predict the financing credit risk of SMEs of science and technology,so as to control the risk,this paper analyses the financing credit risk of SMEs of science and technology,and constructs a risk assessment method.The details are as follows:Firstly,the paper defines the concepts of SMEs and financing credit risk,summarizes the research status of SMEs' financing credit and financing credit risk at home and abroad,and introduces the relevant theories,models,methods and principles of quantitative evaluation of financing credit risk.Secondly,this paper makes a brief analysis of the financing credit risk of small and medium-sized technology-based enterprises,and screens out the evaluation index by reading literature and combining with the characteristics of financing credit risk of small and medium-sized technology-based enterprises.Aiming at the evaluation of financing credit risk of small and medium-sized technology-based enterprises,this paper constructs a kind of evaluation index system,and empowers quantitative and qualitative indicators by using information entropy and analytic hierarchy process,respectively.Using the normal grey cloud whitening weight function,a grey cloud clustering comprehensive evaluation model is established to evaluate the financing credit risk of small and medium-sized technological enterprises.At the same time,some theoretical countermeasures and suggestions are put forward according to the characteristics of financing credit risk of science and technology SMEs.Thirdly,combining with the case of small and medium-sized enterprises in science and technology,the evaluation model is applied in practice,and the effectiveness of the evaluation method is verified by calculating the clustering results of the grey classes of the evaluation objects.According to the example,this paper puts forward some suggestions on the control of financing credit risk.