The City Commercial Bank’s Credit Rating on Steel Distribution Industry in China

Abstract

Small and Medium-sized Enterprises make a significant contribution to economic growth in China. City Commercial Banks mainly serve the local Small Medium Enterprises in China. Every City Commercial Bank provides Small and Medium-sized Enterprises clients the credit rating grade, and it decides on whether to give them financial support according to credit rating result. Usually, banks work on credit rating of Small and Medium-sized Enterprises according to the characteristics of the industry. This work gives the designing process of credit rating system of steel distribution industry. By using questionnaire and analytic hierarchy process, researcher chose a City Commercial Bank as an example and designed a credible credit rating index system for steel distribution industry.