基于模糊等级评价方法的中小企业信用评级

On SMEs Credit Rating Based on Fuzzy Grade Evaluation Method

基于中小企业自身的特点,借鉴已有研究成果,将全新的模糊等级评价方法运用于我国中小企业信用评级问题,并利用二元语义概念构建出适应我国中小企业特点的信用评级模型,更清楚客观地反映我国中小企业的实际信用状况。

The survival status of SMEs in China is not optimistic, and they are faced with many difficulties and problems including fi- nancing. Credit rating is an effective way to solve the problem of financing for SMEs. Combined with the characteristics of SMEs, draw- ing on ideas of existing researches, the study employs new fuzzy grade evaluation method to solve problem of SMEs credit rating, and constructs the credit rating model adapting to the characteristics of SMEs with binary semantic concepts so as to reflect the actual credit situation of SMEs in China.