摘要:
该文在研究企业信用评级的基础上,借鉴企业信用评级模式,创建了适用于评价小微企业信用水平的综合体系.这个综合体系从企业主品行、行业市场和企业财务因素3个方面建立了评价指标.其中,企业主品行、市场状况指标采用层次分析法确立各个指标的权重;财务评价指标采用主成分分析法确立各个指标权重.然后,再采用层次分析法确定综合评级体系3个方面的权重,从而建立小微企业信用综合评级体系.小微企业信用综合评级体系的建立可以有效地识别小微企业的信用风险,解决小微企业无法通过金融机构信用等级评价系统的难题,给小微企业融资打开了突破口.
Abstract:
Based on the research of enterprise credit rating,this paper uses the model of enterprise credit rating for reference,and establishes a comprehensive system which is suitable for evaluating the credit level of small and micro enterprises.This comprehensive system sets up the evaluation indexes from three aspects:the owner's behavior,the industry market and the enterprise financial factors.Among them,the index of enterprise conduct and market condition is established by analytic hierarchy process (AHP).The financial evaluation index uses principal component analysis to establish the weight of each index.Then,the AHP method is used to determine the weight of the three aspects of the comprehensive rating system.After the establishment of the index weight of each level,the comprehensive credit rating system for small and micro enterprises has been completed.The establishment of Small and micro businesses comprehensive credit rating system can effectively identify small and micro businesses credit risk,solve the problem of small and micro businesses through financial institutions and credit rating system for the evaluation,small and micro businesses financing to open a breakthrough.
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