基于模糊矩阵与规划模型的中小微企业信贷决策

Credit decision of small,medium and micro enterprises based on fuzzy matrix and programming model

以某些中小微企业交易事项的相关数据为依据,评价且预测中小微企业的信用等级.运用模糊分析法构建模糊矩阵,再结合层次分析法求解的指标向量权重计算综合得分,以此确定中小微企业信用排名.同时,通过建立目标规划模型确定了贷款银行的放贷策略.

The credit rating of small,medium and micro enterprises was evaluated and predicted based on the relevant data of the transactions of some small and medium-sized enterprises.The fuzzy analysis method is used to construct the fuzzy matrix,and then combined with the index vector weight solved by analytic hierarchy process to calculate the comprehensive score,so as to determine the credit ranking of small,medium and micro enterprises.At the same time,the lending strategy of loan banks is determined by establishing the goal programming model.