基于回归分析中小微企业信贷决策

Credit Decisions of Small and Micro Enterprises Based on Regression Analysis

依据不同信誉评级下贷款年利率与客户流失率相关数据,基于回归分析,得到企业贷款年利率与客户流失率相互关系,建立预期收益模型,得到不同信誉评级下最佳贷款年利率,为银行信贷提供最佳信贷决策。

The relationship between annual loan interest rate and customer turnover rate was obtained by the different credit ratings based on the regression analysis.The best annual loan interest rate under different credit ratings was acquired by subsequently establishing the expected income model.It provides the best credit decision for bank credit.