基于集对原理和变权机制的企业贷款可行性研究

Study on enterprise's loan feasibility based on set pair analysis theory and varying weight mechanism

商业银行对企业贷款可行性评价是防范商业银行经营风险的主要手段之一,商业银行根据影响企业贷款可行性因素,构建其评价指标集,从同、异、反的三个方面计算出联系数和联系度,以最大联系度为准则,并对实际指标评测值的权重进行惩罚——激励机制来评价企业贷款的优劣等级.该方法具有客观性和可操作性的特点,为商业银行科学合理评价企业贷款可行性提供科学依据.

It is necessary for a commercial bank to do feasibility analysis on enterprise＇s loan to avoid operational risk. It constructs its appraisal indicator set according to the influential factors on business loan. Then, it calculates connection value and its degree from sameness, difference and reverse. It evaluates which is best to provide the loan on the basis of the maximum connection value as a principle. The methodology is so objective and operational that can provide reasonable basis when it chooses Which loan Can provide.