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Open AccessArticle

A Dynamic Credit Index System for TSMEs in China Using the Delphi and Analytic Hierarchy Process (AHP) Methods

1
School of Economics, Sichuan University, Chengdu 610065, China
2
School of Public Administration, Sichuan University, Chengdu 610065, China
3
Chengdu Administration China (Sichuan) Pilot Free Trade Zone, Chengdu 610041, China
4
Andalusian Research Institute in Data Science and Computational Intelligence (DaSCI), University of Granada, 18071 Granada, Spain
5
Faculty of Computing and Information Technology, King Abdulaziz University, Jeddah 21589, Saudi Arabia
*
Author to whom correspondence should be addressed.
Sustainability 2020, 12(5), 1715; https://doi.org/10.3390/su12051715
Received: 22 January 2020 / Revised: 21 February 2020 / Accepted: 22 February 2020 / Published: 25 February 2020
A high-quality credit index system is essential for technological small and medium-sized enterprises (TSMEs) to obtain financing from various institutions, such as banks, venture capital. Some attempts have made to construct the credit index system for TSMEs. However, the current credit index systems for TSMEs have placed too much emphasis on their financial ability with few prominent technological and talent indicators. Therefore, this study has proposed a dynamic credit index system for TSMEs in China using the Delphi and the Analytic Hierarchy Process (AHP) methods. This credit index system covers a wide range of indicators to measure the enterprises’ controller ability, operation and management ability, financial ability, and innovation capacity. This study made some contributions in the following aspects: (1) This study proposed a credit index system for TSMEs that highlights the main characteristics of technological innovation and talents of enterprises in China. (2) The credit index system is also highly adaptable as it can dynamically adjust the index weight according to the life cycles of TSMEs. (3) A case study of evaluating the credit of three TSMEs in China was selected to verify the feasibility and the effectiveness of this system. The results show that the credit index system constructed in this study provides a comprehensive and systematic model for evaluating the credit of TSMEs in China. View Full-Text
Keywords: technological small and medium-sized enterprises (TSMEs); credit evaluation; delphi method; analytic hierarchy process (AHP) technological small and medium-sized enterprises (TSMEs); credit evaluation; delphi method; analytic hierarchy process (AHP)
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MDPI and ACS Style

Yu, A.; Jia, Z.; Zhang, W.; Deng, K.; Herrera, F. A Dynamic Credit Index System for TSMEs in China Using the Delphi and Analytic Hierarchy Process (AHP) Methods. Sustainability 2020, 12, 1715. https://doi.org/10.3390/su12051715

AMA Style

Yu A, Jia Z, Zhang W, Deng K, Herrera F. A Dynamic Credit Index System for TSMEs in China Using the Delphi and Analytic Hierarchy Process (AHP) Methods. Sustainability. 2020; 12(5):1715. https://doi.org/10.3390/su12051715

Chicago/Turabian Style

Yu, Ao; Jia, Zhuoqiang; Zhang, Weike; Deng, Ke; Herrera, Francisco. 2020. "A Dynamic Credit Index System for TSMEs in China Using the Delphi and Analytic Hierarchy Process (AHP) Methods" Sustainability 12, no. 5: 1715. https://doi.org/10.3390/su12051715

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