中文摘要：

三大国际评级机构标准普尔 、 惠誉 、 穆迪对欧债危机的愈演愈烈起到了推波助澜的作用 。 我国经济发展的主力军是中小企业， 但目前， 国内中小企业信用评级面临金融体系不完善、 缺乏统一管理、 缺少权威性、 缺乏科学的评级体系、 市场需求少、 权威性不高等问题。 文章对中小企业信用评级的现状进行分析， 并就中小企业信用评级的未来发展， 特别是提高评级机构素质、 建立完善的评级监管体系、 丰富评级业务等方面提出建议。

英文摘要：

The European debt crisis was exacerbated by the credit rating from the major three international rating agencies, such as Standard and Poor＇s, Fitch and Moody, China＇s SME credit rating suffers from the problems of a lack of imperfect financial system and authority, unified management, and a scientific rating systera. This article analyzes the current situation of SME credit rating, and gives suggestions on the future development of China＇s SME credit rating in respect of improving the performance of rating agencies, establishing a sound system of rating regulation and diversifying the rating business.