基于加权群体AHP的企业资信评价方法

The Methods for the Evaluation of Enterprise Credit Based on Weighted Group Decision-making in AHP

本文研究加权群体AHP方法及其在企件资信评价中的应用问题，建立了反映各专家或决策者优先权及各判断矩阵可信度的两种加权距离法，从主观和客观两方面切实有效地反映了各专家或决策者意见对最终评判结果的影响。企业资信评价是银行信贷风险管理的重要基础工作之一，各企业资信等级的正确评定取决于许多相关因素，需要各方面专家或决策者进行综合评判，合理的评判结果应反映各专家或决策者对各企业及信贷风险状况了解和认识的程度，同时应反映各专家或决策者对各企业评判所给出的判断矩阵的可信度，因此，本文建立以各专家或决策者优先权及各判断矩阵可信度为权系数的加权距离法，较好地解决了该问题。

This paper studies the group decision-making methods in AHP and their applications in theevaluation of enterprise credit, establishes two kinds of weighted distance methods, where the preferencesof expeds or decision-makers and the believable degrees of the judgement matrices given by the expertsor decision-makers are reflected, and, as the result,the influence of the experts or the deci-sion-makers' opinion on the evaluation result is reflected effectively both in subjective aspect and in ob-jedive aspect. The evaluation of enterprise credit is one of the most important works in the risk manage-ment of the bank's credit.The exact evaluation of the grade of each enterprise credit depends on a lotof corresponding factors, which needs the comprehensive evaluation of the experts from various corre-sponding fields.The reasonable evaluation result should reflect not only the degree of each expert ordecision-maker's knowing of the state of each enterprise and the credit risk, but tbe believable degree ofeach judgemnt matrix given by experts or decision-makers as well. This poper solves the above prob-bo effectively by establishing the weighted distance methods where the weight coefficients placed in themethods are detendned by their preferences and the believable degree of judgement matrices.