互联网金融背景下科技型中小企业信用评级实证研究

An Empirical Study on Small and Medium-sized Technological Enterprise Credit Rating in the Background of Internet Finance

互联网金融的兴起为解决科技型中小企业融资难提供了新的途径。在传统信用评级指标中加入互联网金融指标,采用AHP法赋权,运用效用函数综合评价法进行实证研究发现,信用评级能够降低信息不对称,促进互联网金融与科技型中小企业对接。该研究成果有助于解决科技型中小企业融资难问题,也可为信用评级学者展开相关研究提供参考。

The rise of Internet finance provides a new way to solving small and medium-sized technological enter-prise （ SMTE） financing difficulties. An empirical study is made by adding the Internet financial indicators to tradi-tional credit rating indicators, adopting the AHP method empowerment and using comprehensive evaluation method of utility function. The results show that credit rating can reduce the information asymmetry, promote the integration of Internet finance and small and medium-sized technological enterprises. The results of the study is helpful to sol-ving small and medium-sized technological enterprise financing difficulty, also can provide credit rating scholars with reference for related researches.