基于改进权值调整方法的微型企业资信评估系统研究

Study on improved method for adjusting weight to subminiature enterprise credit evaluating system

结合我国微型企业的特点与商业银行信贷审批工作,以马克思信贷资金循环理论为依据,分析了以定量指标为主要评估内容的指标体系在我国微型企业信贷中的局限性,对传统指标因素进行优化结合,并加入发展前景等定性潜质因素,构建了适合我国微型企业的新型资信评估指标体系.针对层次分析法中的不一致性问题,引入非一致性比例因子和调整比例因子进行指标权值集确定.实证结果表明,运用此方法建立的微型企业资信评估指标体系得到的企业资信评级结果有较高的可信度和准确度.

According to the character of the subminature enterprise and the loan examination of the industry bank, and based on the theory of Marx＇ capital .circulation theory, the author indicates the short- age of measurable index such as financial factor to our country subminiature enterprise, optimize the traditional evaluating system, and joins the developmental factor, then the new index system of subminiature enterprise credit evaluation is constructed. To get the weight, the non-consistence proportional factor and the adjustment proportional factor for the inconsistency of the judgment matrix in AHP are proposed. It is underway to test and analyze by the example, which indicates the feasibility of the method.