Research on Credit Rating of SMEs Based on Combination Evaluation
Credit rating refers to the commercial bank overall analyzes customers’ operating level, financial position, profitability, management level, development perspectives and so on. Credit rating reflects default risk of customer and furnishes basis for loan. This paper gives credit evaluation index system consist of financial position of nonfinancial position, determines credit rating evaluation criteria by the sample data. At the same time, through combinatorial optimization of subjective weight and objective weight, this paper not only retain reflection of the actual situation of objective weight, but also reflects the knowledge and experience of experts of subjective weight. This can improve the accuracy of loan credit rating, and the bank can control the loan risk of small enterprise.
creditrating ratingcriteria combinationweighting comprehensive evaluation
Hongyan Zhi Zhongyuan Yang
College of Mathematics and Computational ScienceChina University of PetroleumDongying, China Mobile Postdoctoral Stations, Institute of Finance and Banking, Chinese Academy of Social Science, B
国际会议
广州
英文
1-4
2011-05-13（万方平台首次上网日期，不代表论文的发表时间）