| 商业银行信贷管理体制下的中小企业信用评级指标研究 |
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| 引用本文： | 刘萍,薛广燕.商业银行信贷管理体制下的中小企业信用评级指标研究[J].科技与管理,2014,16(6):101-104. |
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| 作者姓名： | 刘萍 薛广燕 |
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| 作者单位： | 哈尔滨理工大学经济学院,黑龙江哈尔滨,150040 |
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| 摘 要： | 商业银行现有信用评级不能够适应中小企业的特点,不能真实反应中小企业的运营状况,导致其融资难、信用度低等问题,极大阻碍了中小企业的发展.从信用评级存在的缺陷出发,通过定量指标和定性指标2个方面的设计对信用评级指标进行了重构,探讨出适合我国国情的中小企业信用评级指标.
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| 关 键 词： | 中小企业 信用评级体系 商业银行 |
Disscussion on credit rating system for small and medium enterprise |
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| LIU Ping,XUE Guang-yan.Disscussion on credit rating system for small and medium enterprise[J].Science-Technology and Management,2014,16(6):101-104. |
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| Authors: | LIU Ping XUE Guang-yan |
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| Institution: | ( Economic lnsititute, Harbin University of Science and Technology, Harbin 150040, China) |
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| Abstract: | The existing commercial banks credit index can not adapt to the characteristics of small and medium enterprises. Also it can not reflect the true information of smes. Due to low credibility and poor quality in medium and small enterprises, as well as the unfavorable financing developing environment for them, it is hard for medium and small enterprises to obtain capital through financing channel whether it is direct or indirect financing. Taking features of the factors of operational risk into consideration, this paper designs a set of qualitative and quantitative indicators for commercial banks, which can improve the credit rating. |
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| Keywords: | small and medium-sized enterpries credit rating commercial bank |
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