基于FAHP的商业银行小微企业信贷风险因素影响度分析

Analysis of the Influence Degree About Credit Risk Factors of Small and Micro Enterprises of the Commercial Banks Based on the FAHP

随着我国商业银行小微企业贷款余额的不断增加,如何有效控制小微企业信贷风险成为商业银行不得不积极面对的问题。本文结合小微企业的特点,通过对商业银行小微企业信贷风险影响因素的分析,构建了小微企业信贷风险的影响因素体系,运用模糊层次分析法对各个影响因素进行量化比较研究,为商业银行小微企业信贷目标客户的确认及建立合理的小微企业信贷评价体系提供参考。

Along with the loans of small and micro enterprises increases ceaselessly, the commercial bank have to face the problem of how to effectively control the small and micro enterprises credit risk. This paper combined with small and micro enterprise＇s characteristic, through analysis credit risk influence factors of small and micro enterprises of the commercial banks, constructed the factors system which influence Small and micro enterprises credit risk, and applied fuzzy analytic hierarchy process to compare and analyze each influence factor, provided reference for the commercial Banks to pick up the target customers and establish reasonable small and micro enterprise credit evaluation system.