中小微企业的信贷决策

Credit Decision-Making for Small, Medium and Micro Enterprises

P2P网络借贷在为个人和中小企业投融资提供便利的同时,也带来了一系列的问题,不利于行业的稳定发展,因此,对各中小企业的风险评估特别重要。论文选取若干个风险指标,对123家中小企业进行数据调研,计算各风险指标因素的风险值,利用理想算法确定各指标因素的权重提出风险防范的建议。

While P2P network lending provides convenience for the investment and financing of individuals and small and medium-sized enterprises,it also brings a series of problems,which is not conducive to the stable development of the industry.Therefore,the risk assessment of small and medium-sized enterprises is particularly important.This paper selects several risk indicators,carries on the data investigation to 123 small and medium-sized enterprises,calculates the risk value of each risk index factor,uses the ideal algorithm to determine the weight of each index factor and puts forward the risk prevention suggestion.