石河子大学学报：哲学社会科学版
石河子大學學報：哲學社會科學版
석하자대학학보：철학사회과학판
Journal of SHIHEZI University(Philosophy and Social Science)
2012年
3期
73~77
,共null页
中小企业；信用评级；指标体系；评级模型
中小企業；信用評級；指標體繫；評級模型
중소기업；신용평급；지표체계；평급모형
small and medium-sized enterprise credit evaluation indexes system evaluation model
中小企业的信用等级既是银行信贷资产风险管理的基础，同时也直接决定了中小企业的融资规模和融资成本。该文以中小企业信用评级为视角，在对定量指标和定性指标进行筛选的基础上，构建了中小企业信用评级指标体系，结合层次分析法与模糊综合评价模型，建立了适应中小企业风险特点的信用评级模型。
中小企業的信用等級既是銀行信貸資產風險管理的基礎，同時也直接決定瞭中小企業的融資規模和融資成本。該文以中小企業信用評級為視角，在對定量指標和定性指標進行篩選的基礎上，構建瞭中小企業信用評級指標體繫，結閤層次分析法與模糊綜閤評價模型，建立瞭適應中小企業風險特點的信用評級模型。
중소기업적신용등급기시은행신대자산풍험관리적기출，동시야직접결정료중소기업적융자규모화융자성본。해문이중소기업신용평급위시각，재대정량지표화정성지표진행사선적기출상，구건료중소기업신용평급지표체계，결합층차분석법여모호종합평개모형，건립료괄응중소기업풍험특점적신용평급모형。
The credit rating of small and medium-sized enterprises is not only the foundation to bank credit assets, but also directly determines their financing scale and cost. In this paper, we take credit rat- ing of small and medium-sized enterprise as the perspective to build a credit evaluation index system based on the quantitative and qualitative index selection. By combining the Analytic Hierarchy Process and fuzzy comprehensive evaluation model, we set up a credit evaluation model that suits the small and medium-sized enterprise in China.
