Study on comprehensive evaluation for small and medium enterprises in supply chain finance

摘要

Commercial banks provide financial services to enterprises, especially to small and medium enterprises (SME) in supply chain, to decrease transaction costs, to simplify the process of property shift, to create liquidity and to make settlements. Thus, the banks need scientific methods to choose proper SME to corporate with. This article creates a comprehensive evaluation index system from five aspects: financial analysis, customer service, internal management, expected development and cooperation. Then, the algorithm is wavelet network, which is an advanced method and fits for comprehensive evaluation to classify SME into quality enterprises and non-quality enterprises. This avoids artificial methods of calculating subjectively uncertainty and poor convergence, and therefore is more precise than BP nerve network.