SMEs credit rating method with heterogeneous information: a Chinese case

Enterprise credit rating is an important issue in finance field. Small and Medium Enterprises are playing more and more important role in world economy development. Especially, China SMEs has gained rapid development in recent years. However, financing difficulty is a predominant and common problem for the SMEs in China. It needs joint effort to solve the SMEs financing embarrassment. One of the solution is to establish a reasonable SMEs credit rating method which can produce a convincing credit rating result. The paper presents a SMEs credit rating method with heterogeneous information based on currently used credit criterion system in China.