| ACKNOWLEDGEMENTS | 第5-6页 |
| LIST OF ABBREVIATIONS | 第6-7页 |
| Abstract | 第7页 |
| 摘要 | 第8-17页 |
| 1. Introduction | 第17-20页 |
| 1.1 Research Background and Significance | 第17-18页 |
| 1.2 Research Contents | 第18页 |
| 1.3 Research Methods | 第18-20页 |
| 2. Literature Review | 第20-28页 |
| 2.1 Related Concepts of SMB Credit Rating | 第20-25页 |
| 2.1.1 Definitions of Small and Micro Businesses | 第20-22页 |
| 2.1.2 Relevant Concepts of Credit Rating | 第22-24页 |
| 2.1.3 Requirements Set by Basel Accords on Banking Credit Rating | 第24-25页 |
| 2.2 Literature Review | 第25-28页 |
| 3. Case Introduction: SMB Credit Rating System of F Commercial Bank | 第28-42页 |
| 3.1 The business condition of small and micro business loan transaction in FCommercial Bank | 第28页 |
| 3.2 Introduction of Prevailing Small and Micro Businesses Credit Rating Systemof F Commercial Bank | 第28-40页 |
| 3.2.1 Rating Index System | 第31-36页 |
| 3.2.2 Rating Procedure | 第36-38页 |
| 3.2.3 Credit-committing Policies | 第38-40页 |
| 3.3 Issues on Small and Micro Business Credit Rating in F Commercial Bank .. 23 | 第40-42页 |
| 4. Case Analysis: Causes of The Issues on SMB Credit Rating System of F CommercialBank | 第42-52页 |
| 4.1 Analysis on Index System | 第42-46页 |
| 4.2 Analysis on Credit Rating Procedure | 第46-48页 |
| 4.3 Analysis on Credit Rating Measurements | 第48-52页 |
| 5. Solutions: Improve the SMB Credit Rating System of F Commercial Bank | 第52-83页 |
| 5.1 Improvements in Index System | 第52-71页 |
| 5.2 Improvements in Rating Process | 第71-72页 |
| 5.3 Improvements in Risk measurements | 第72-73页 |
| 5.4 Case Application of Actual Corporate Clients | 第73-83页 |
| 5.4.1 Basic Profile of G Company | 第73-74页 |
| 5.4.2 Index Analysis of G Company（Due to the confidentiality clause, all ofthe data by the end of Sep. 2013） | 第74-81页 |
| 5.4.3 Calculation of Probability of Default (PD) under Z-score Model | 第81页 |
| 5.4.4 Summary on Overall Ranking of G Company | 第81页 |
| 5.4.5 Comparison between New Ranking Method and Original RankingMethod | 第81-83页 |
| 6. Conclusion | 第83-85页 |
| Reference | 第85-86页 |
