摘要
市场经济蓬勃发展的今天,商业银行面临的各方压力越来越大,对于金融风险的监管也面临越来越严峻的考验。信用风险一直是众多风险中的重中之重。本文从6个评价维度出发,对商业银行信用风险评估指标体系进行设计,综合运用层次分析法(AHP)与模糊综合评价法,构建信用风险评估模型。通过检验模型的使用价值,以期有效地指导商业银行贷款决策。
With the rapid development of market economy,commercial banks are facing more and more pressure from all sides,and the supervision of financial risks is facing more and more severe test.Credit risk has always been the most important among these risks.This paper designs the evaluation index system of commercial banks credit risk from six evaluation dimensions.Then the analytic hierarchy process and fuzzy comprehensive evaluation are used to construct the credit risk assessment model.The application value of the model is tested in order to guide the loan decision of commercial banks effectively.
作者
朱虹
ZHU Hong(Network and Educational Technology Center,Harbin University of Commerce,Harbin 150028,China)
出处
《智能计算机与应用》
2020年第4期144-147,共4页
Intelligent Computer and Applications
