中小企业信用评级指标体系研究

Research on the Credit Evaluation Indexes System of Small and Medium-sized Enterprise

中小企业的信用等级既是银行信贷资产风险管理的基础,同时也直接决定了中小企业的融资规模和融资成本。该文以中小企业信用评级为视角,在对定量指标和定性指标进行筛选的基础上,构建了中小企业信用评级指标体系,结合层次分析法与模糊综合评价模型,建立了适应中小企业风险特点的信用评级模型。

The credit rating of small and medium-sized enterprises is not only the foundation to bank credit assets, but also directly determines their financing scale and cost. In this paper, we take credit rat- ing of small and medium-sized enterprise as the perspective to build a credit evaluation index system based on the quantitative and qualitative index selection. By combining the Analytic Hierarchy Process and fuzzy comprehensive evaluation model, we set up a credit evaluation model that suits the small and medium-sized enterprise in China.