Research on credit rating of SMEs based on combination evaluation

Credit rating refers to the commercial bank overall analyzes customers´ operating level, financial position, profitability, management level, development perspectives and so on. Credit rating reflects default risk of customer and furnishes basis for loan. This paper gives credit evaluation index system consist of financial position of non-financial position, determines credit rating evaluation criteria by the sample data. At the same time, through combinatorial optimization of subjective weight and objective weight, this paper not only retain reflection of the actual situation of objective weight, but also reflects the knowledge and experience of experts of subjective weight. This can improve the accuracy of loan credit rating, and the bank can control the loan risk of small enterprise.