基于层次分析法的大学生信用风险评价指标体系研究

Research on Evaluation Index System of University Students’ Credit Risk Based on Analytic Hierarchy Process

本文梳理相关文献资料,定性分析可能影响大学生信用的众多因素,采用AHP层次分析法定量分析,选择了对于大学生信用风险影响较大的因素设计出风险评价数学模型,将风险量化评估,运用Matlab编程计算各因素的权重,构建出一个较为合理的指标权重体系,再运用德尔菲法采用五分制对每一指标的评价分值进行分配,得出一个较为完整的大学生信用风险评价指标体系。

College students'financial market has a huge scale and broad prospects for development. In order to fully and dynamically reflect the possible financial risks, it is necessary to collect personal information of College students,and to reduce the risks by evaluating the credit risks of College students. This paper consults a large number of relevant literature, first qualitatively analyses many factors that may affect college students'credit,then uses the AHP to make a quantitative analysis, and chooses the factors that have a greater impact on the credit risk of College students, designs a risk assessment mathematical model, quantifies the risk assessment, calculates the weight of each factor by using MATLAB programming, and constructs a more reasonable index weight. In the system, Delphi method is used to distribute the evaluation scores of each index, and a relatively complete evaluation index system of College Students'credit risk is obtained.