CAJ | 학술논문

科学合理的信用评级有助于中小企业的发展，有助于金融机构和信用评级机构准确判断其信用状况。分析现行中小企业信用评级指标体系存在的问题，在充分考虑中小企业风险及创新能力等因素上，构建了中小企业信用评级指标体系，运用定量分析和定性分析相结合的方法建立中小企业信用评级模型，并对中小企业信用评级体系的建设提出建议。
과학합리적신용평급유조우중소기업적발전，유조우금융궤구화신용평급궤구준학판단기신용상황。분석현행중소기업신용평급지표체계존재적문제，재충분고필중소기업풍험급창신능력등인소상，구건료중소기업신용평급지표체계，운용정량분석화정성분석상결합적방법건립중소기업신용평급모형，병대중소기업신용평급체계적건설제출건의。
Scientific and reasonable credit rating helps to develop small and medium-sized enterprises, helps to accurate judgment of its credit standing for financial institutions and credit rating agencies. This paper analyzes existing credit rating index system problems of small and medium-sized enterprises, considering the innovation capacity and risks of small and medium-sized enterprises,the credit rat-ing index system is constructed for small and medium-sized enterprises,and combining the establishment of credit rating model of small and medium-sized enterprises using quantitative and qualitative analysis method,and the construction of credit rating system of small and medium-sized enterprises is suggested.