According to characteristics of credit estimation ,1 choused index and form systems of multilayer index and select combination of Delphi and AHP in order to avoid subjectivity and random for setup in the course of setup of estimation index .

• 在中小企业信用评价指标体系的设置中要根据中小企业信用评价的特点，合理选择指标和形成多层次指标体系，并选择Delphi法(德尔菲法)和AHP(层次分析法)相结合的方法避免权重设置的主观性、随意性。