摘要
针对企业信贷风险量化和制定银行信贷策略,采用模糊综合评价、模糊层次分析、最大收益期望准则等方法,从银行的角度综合分析中小微企业大量票据信息,建立偿债能力和偿债意愿两方面影响因子的信贷风险综合评价体系,充分运用Matlab、excel软件求解信贷风险得分,对123家企业信誉进行评级,并提出具体的银行信贷策略.
Aiming at the quantification of corporate credit risk and the formulation of bank credit strategies,using methods such as fuzzy comprehensive evaluation,fuzzy analytic hierarchy,and maximum return expectation criteria,the large amount of bill information of small,medium and micro enterprises from the perspective of the Bank are analyzed,and solvency and willingness to repay a comprehensive credit risk evaluation system are established.Based on two aspects of influencing factors are established.Using of Matlab and excel software to solve credit risk scores,123 corporate reputations is ranked,and specific bank credit strategies is proposed.
作者
董洁
朱家明
Dong Jie;Zhu Jiaming(Anhui University of Finance and Economics)
出处
《哈尔滨师范大学自然科学学报》
CAS
2021年第5期37-42,共6页
Natural Science Journal of Harbin Normal University
基金
国家自然科学基金(71974001)
安徽省高校人文社科重点项目(SK2018A0462)
安徽财经大学教研项目(acjyyb2020011)。
关键词
信贷风险综合评价体系
模糊综合评价
模糊层次分析
信贷策略
中小微企业
Credit risk comprehensive evaluation system
Fuzzy comprehensive evaluation
Fuzzy analytic hierarchy process
Credit strategy
Small Medium and micro enterprises
