基于改进模糊综合评价法的小微企业金融风险分析模型研究

Research on Financial Risk Analysis Model of Small and Micro Businesses Based on Improved Fuzzy Comprehensive Evaluation Method

本文结合小微企业的具体环境及实际情况构建小微企业信用评价指标体系,通过对比分析国内外信用评价方法,提出一种基于信息熵与层次分析法(AHP)结合的改进综合评价法,该方法利用信息熵计算客观权重,运用层次分析法计算主观权重,并对主客观权重进行拟合得出综合权重,分析得到小微企业信用评价等级,实现对小微企业金融风险的分析。实验结果表明,基于改进模糊评价法的小微企业金融风险分析模型可操作性较强,评估结果相对准确合理。

According to the specific enviroment and actual situation of small and micro business, credit evaluation index system of small and micro business is constructed. Comparative analyzing the domestic and foreign credit evaluation method, a fuzzy comprehensive evaluation model based on informtion entropy and AHP is proposed. The objective weight is based on the entropy weight, and the subjective weight is computed by use of the AHP. Then the objective and subjective weight are united, and consequently the comprehensive weights are obtained by weight fitting. Finally, the comprehensive evaluation result is got, which realized the analysis of financial risk of small and micro business. The experimental results which are calculated by the improved fuzzy comprehensive evaluation model based on strong operability are more scientific and accurate.