中小企业信用评级指标体系与模型的构建

信用评级对于中小企业的发展具有至关重要的作用．一套科学、完善的中小企业信用评级技术和方法可以使金融机构和信用评级机构准确地判断出企业的信用状况，为金融机构对企业给予信贷支持提供重要的参考依据．应依据我国中小企业自身的特点，并充分借鉴国外经验，构建起一个能够全面、真实地反映中小企业信用状况的评级指标体系．然后，选择层次分析与模糊综合评价相结合的方法来建立中小企业的信用评级模型．

Study on the Credit Rating Index System and the Model of Small-medium Enterprises

Credit rating is very important for the development of small - medium enterprises （ SMEs ）. A suit of scientific, integrated technique and method of credit rating of SMEs can make the credit banks and rating institutions judge the credit levels of SMEs accurately, then provide the important reference for the credit support which banks offer to enterprises. According to the characteristics of our country＇s SMEs, and based on existing evaluation index systems home and abroad, the paper establishes a suit of evaluation index system which is able to reflect the SMEs＇credit roundly and factually. Finally, the paper uses the method of analytic hierarchy process （AHP） combined with fuzzy comprehensive evaluation to establish the credit ratine model of our country＇s SMEs.