Through summarizing the experiences of the salesman and experts , and drawing lessons from the professional organizations such as banks which have established indexes system for credit rating , the thesis builds its own indexes system of credit rating for tally trade which is intentionally built up for enterprises ; then by contrasting the advantages and disadvantages of the commonly used multi - indexes evaluation methods , adopts the fuzzy hamming network as the primary tool for credit rating 首先通过总结销售人员经验，并借鉴银行等专业机构资信评级所采用的评价指标，建立适合工商企业应用的客户信用评级指标体系；然后对比常用多指标综合评价方法的优缺点和适用范围，确定采用神经网络模型中的模糊hamming网络作为客户信用评级的主要工具。
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