我国中小企业信用评价体系的构建

Construction of the Small and Medium-sized Enterprise's Credit Evaluation System

构建科学可行的中小企业信用评价体系是解决中小企业融资难的有效办法之一。文章拟在前人研究的基础上,尝试从企业的基本素质、偿债能力、运营能力以及获利能力四个角度对其进行信用评级,以期解决银行对中小企业的信用评价问题。

Building a scientific and feasible evaluation system of the small and medium - sized enterprise credit is one of the effective measures to solve financing difficulty. This paper, on the basis of previous studies, tries to analyze credit rating from four angles, which are the basic quality of enterprise, the operation capacity, solvency, and profitability in order to solve the problems of bank credit evaluation of small and medium - sized enterprises.