关于中小企业信用评级体系

由于个人的实践经验与判断能力不同，信用分析决策结果会因人而异，这就需要建立统一的信用评级体系，确定参考指标、评分标准及方法，通过对贷款申请者的资信状况和偿债能力进行全面评估，使信用管理与决策客观、规范，并有效防范信贷风险。鉴于中小企业在国民经济发展中的作用逐渐取得了共识，而缺乏信用评价体系，融资难成为制约中小企业发展的关键因素之一。因此，文中选取了中小企业作为研究对象，建立了中小企业信用评价体系。

Research of Medium-Small-Enterprise Credit Evaluation System

The result of credit analyzing and decision differs on the experiences and judging ability of different individuals. Thus an integrate system of credit evaluation, reference indexes, as well as the standard and method of marking should be established; and credit standing and debt repaying ability be totally evaluated, as to make credit management and decision objective and standard, and to prevent credit risks effectively. The function of medium-small-enterprises in the development of national economy has been universally recognized. Lacks for credit evaluation system and difficulty of funding has become the bottleneck of the development of medium-small-enterprises. In this arcticle,a credit evaluation system for medium-small-enterprises is established.