The Index System Construction of Credit Risk Evaluation of Chinese SMEs

In recent years,how to identify and control effectively credit risk has became an important factor which influences credit financing of Chinese SMEs,and constrains thrie enlargement.In order to assess the SMEs credit risk more scientifically and accurately,this paper based on the study of the credit risk evaluation index system of commercial banks and credit rating agencies,concerning the existing problems of the SMEs credit risk evaluation index system,combining with SMEs characteristics,established the scientific and reliable index system.