The Research of the Private Enterprise Credit Evaluation System

摘要

The bottleneck of the development of private enterprises is financing difficulties, the fundamental reason of which is that the credit of the private enterprises is difficult to guarantee. Based on the study of existing private enterprise credit evaluation methods, the article is trying to construct a set of feasible and effective evaluation system to avoid the result of the ambiguity of the existing evaluation methods. This evaluation system can be truly recognized by financial institutions, for which can both test the strength of private enterprise credit (the debt paying ability) and can check the enterprise credit will(sinking intend to) .This evaluation system can become communicating connectivity between the financial institutions and the private enterprises. This system, based on enterprise overall value and value of the mortgage, is more accepTable by the Financial institutions and easier to realize the cooperation on the basis of various forms .The system is conducive to achieve the goal of Eighteenth National People's Congress of the Communist Party of China: to put forward a comprehensive reform of the economic system, to ensure economic stability, health, and sustainable development.