Why and How to Evaluate the Creditworthiness of SMEs’ Business Partners
提出一种基于层次分析法的内部评级方法，帮助企业在短期决策中筛选商业伙伴，兼顾定量与定性标准，并通过斯洛文尼亚小企业案例展示其适用性。
In addition to external ratings, an increasing number of enterprises are evaluating creditworthiness by themselves, especially when it comes to short-term decisions. This article presents a method for developing internal ratings to best select among the business partners of a firm. As this is a very complex goal, the Analytic Hierarchy Process is applied, in which the problem is approached step by step. Managers’ and experts’ judgements are taken into consideration when structuring the problem. Since qualitative factors come into play, special attention is given to determining not only quantitative but also qualitative criteria. Their importance is also assessed. The applicability of this method (especially in small and medium-sized enterprises) is discussed and introduced via a practical case from a small Slovenian enterprise.