后金融危机下我国小微企业信用评价-研究

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1、AbstractAstheroleoffleshbloodandthemaindriverinChinese，smallandmicroenterprisescanpromotemarketcompetitionandsocialstability,solvetheemploymentofsurpluSlaborforce．RecentlytheresearchonsmallandmicroenterprisesinChinaareincreasingandthegovernmentmakemoreefforttosupporttheseenterprise

2、s．Withtheprosperityofthem，therearealsosomeproblems，themostsignificantoneisfinancingproblemthatcausedbylackingofcredit．Withcreditevaluation，commercialbankscanknowtheenterprises’creditsituationbeforeloan，SOlackingofcreditCallbecontrolledaswellasthefinancingproblemeased．Allinall，credi

3、tevaluationcallpromotetheemergenceofsmallandmicroenterprises，commercialbanksandtheChinesegovernment．winsituation．TheresearchnowismostlyaboutSMEsratherthansmallandmicroenterprises．Asthenon·applicabilityoftheevaluationsystemandmethodsof，financingopportunitiesofSmallandmicroenterprise

4、saredecreasing·Thisproblemshouldbesolved，SOthisstudystartspoint．Consideringthebackgroundofthefinancialcrisis，thisarticleisonthebasisoftheshortageofexistingevaluationindexsystemofSMEsandbuildanewmodelforsmallandmicroenterprisesaccordingtonon．financialandfinancialangle．Ononehand．fuzz

5、yanalytichierarchymethodisusedforevaluationofnon-financialindicators，ontheotherhand，principalcomponentanalysismethodisusedforfinancialindicators．Finally，aweightedcombinationmodelisformed，whichcanmakecomprehensiveassessmentofthecreditstatusofsmallandmicroenterprisesinthepost．financi

6、alcrisis，andhelpenterprisestoobtainasuitablecreditscore．Inordertoanalyzetheuseofthemodelandverifythevalidityofitl，thearticleselected35enterprisesinChangshaforcasestudyingandmaketheconclusionthatthismodelarefeasiblewhichcanbeusedactually．Thecreditstatuscanbeobjectivelypredicted．Thec

7、ommercialbankscanmakecorrectcreditdecisions，thefinancingproblemcanbesolved．Finally，theconcludingsectionpointsouttheshortageandnextresearchdirection．Weshouldfocusontheoreticalanalysisandempiricalresearchinthedesignofsmallmicro—enterprisecreditevaluationindexsystemandsetupastrictscie

8、ntificbasisoftheindicators