Credit risk-based credit decision-making method for small, medium and micro enterprises

Abstract

The invention discloses a credit risk-based medium, small and micro enterprise credit decision-making method, and the method comprises the following steps: firstly, calculating three factors influencing enterprise strength according to acquired data: gross profit rate, capital return rate and income growth rate, and analyzing weights through an analytic hierarchy process to realize quantitative scoring; defining a supplier integration level SCIS and a seller integration level SCIC at the same time, analyzing the correlation between the supplier integration level SCIS and the seller integration level SCIC through spearman rank correlation coefficients, and carrying out the quantitative scoring of the stability of the supply and demand relation; after the enterprise reputation is evaluated according to the credit record to obtain the reputation grade and the scoring standard, performing quantitative analysis on the enterprise strength and the reputation grade through a topsis algorithm to obtain a new score; finally, analyzing the weight ratio of the enterprise strength, the reputation level and the supply and demand relationship stability through an entropy weight method, and calculating the comprehensive score after the three are combined to determine the loan amount tendency. The method has the advantages of being high in decision-making efficiency, good in reliability and capable of maximizing bank income and sensitively coping with emergencies.

Description

technical field [0001] The invention belongs to the field of credit risk management and relates to a credit decision-making method for small, medium and micro enterprises based on credit risk. Background technique [0002] Due to their small size and lack of mortgage assets, small, medium and micro enterprises need banks to provide relative credit services to maintain the normal operation of enterprises. Planning the bank's credit decision-making model for small and medium-sized enterprises can obtain the maximum benefit with a fixed total credit amount, which has strong practical significance. In the prior art, when evaluating an enterprise, it usually focuses on the credit record and credit rating based on this, and makes credit decisions based on the credit rating. Although the strength of the enterprise is considered, and some evaluation contents and corresponding weights are set through experience, these evaluation contents Most of them are obtained through enterprise ...

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Problems solved by technology

[0003] The purpose of the present invention is to provide a credit decision-making method for small, medium and micro enterprises based on credit risk, so as to solve the problem that the credit decision-making for small and micro enterprises in the prior art cannot be corrected or reset in time with changes in the market environment, and the decision-making efficiency is low and the reliability is poor. , error-prone technical issues

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