信息环境下基于模糊层次分析的中小企业信用评级研究

SME Credit Rating Based on Fuzzy Hierarchy Analysis in the Information Environment

信用评估中的信息不对称是导致中小企业融资难的主要原因,互联网信息技术的发展为解决信息不对称问题提供了新的思路.在硬信息和软信息的框架下,把信息技术要素加入到信用评价中,构建了适合中小企业的七大类二十二项评价指标体系,并采用模糊综合评价方法建立信用模型,通过实例分析验证了模型的有效性.新的指标体系适应了未来信用评级发展的趋势,是对解决中小企业融资难问题的有益探索.

Information asymmetry is the main cause of the financing difficulties of small and medium- sizedenterprises. The development of the internet information technology offers a new way to solve the problem ofasymmetric information. Based on the framework of hard and soft information,the information technology elementsare added to the credit rating. We built a system with seven class and 22 indexes,which is suitable for small andmedium-sized enterprises,and uses the fuzzy comprehensive evaluation method to establish the credit model. Theeffectiveness of the model was verified by the example analysis. The new index system is adapted to the trend of thedevelopment of the credit rating,and beneficial to solve the problem of financing difficulties of small and medium-sized enterprises.