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Abstract: The small-medium enterprises are playing more and more important roles in the economy of China in the process of opening reformation and market economy construction. Nevertheless, the financing status of these small-medium enterprises is not comparative with their status in the China¡¯s economy. On the other hand, because of the late starting of China¡¯s credit rating industry, nonstandard of developing process, and insufficiency of the cognition of its significance, especially for small-medium enterprises, credit rating industry has not established pertinent credit rating system yet. These add more difficulties to the financing of small-medium enterprise. Therefore, this article combining with actual characteristic of China¡¯s small-medium enterprises, and meanwhile drawing advanced experience from famous credit rating agencies abroad to analysis. Using the credit rating system for small-medium enterprises to evaluate and measure their credit venture, it can strengthen the dependability and security of investor and commercial bank, and enhance to control credit risk of small-medium enterprises. ¾«Æ·ÎĵµÊÕ¼¯ÕûÀí»ã×Ü Keywords: small-medium enterprises credit analysis¾«Æ·ÎĵµÊÕ¼¯ÕûÀí»ã×Ü Ò»¡¢ÎÒ¹úÖÐСÆóÒµÐÅÓÃÆÀ¼¶ÌåϵÏÖ×´

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