基于AHP层次分析法的我国中小企业信用评级研究

he small and medium-sized enterprises, called SMEs For short, is an important component of our national economy, and also a very important structural factor in the market economy. However, commercial banks currently lack of the credit rating system specifically to the SMEs, and the existing credit rating index system for SMEs has some defects. In this paper, based on the domestic and foreign corporate credit rating research results, and according to the characteristics and the actual situation of SMEs, I screened 20 evaluating indicators from the enterprise's basic quality, the credit capacity, the profit ability, the operating capacity, innovation ability, the growth potential and honored condition of agreements and so on seven levels by real diagnosis. Then I used analytic hierarchy process to ascertain the index weight and adopted weight grade method to calculated enterprise credit score. Thus I established the SMEs＇credit rating model and I selected a SME to carry out case analysis. Making every effort to assess SME's credit status comprehensively, objectively and truly. So that we can solve the problem that the SMEs met the unfair credit rating when financing.