基于BP神经网络和模糊综合评价模型对中小微企业信贷策略研究

Research on the Credit Strategy of Small and Micro Enterprises Based on BP Neural Network and Fuzzy Comprehensive Evaluation Model

中小微企业是中国银行信贷的重要对象,规划银行对中小微企业信贷策略对宏观经济发展具有重要意义.针对中小微企业风险评价及银行信贷策略规划题,以人工神经网络及模糊数学理论为基础,构建BP神经网络模型和模糊综合评价模型并求解,最后综合应用,实现了在不同条件下对各企业的信用风险评估的精细测算和与之相对应的信贷策略的合理统筹.依托模型进行深度学习,对缺失数据进行准确预测,完善数据结构合理性,提高模型完备性,综合企业的实力和信誉定量评价企业的信贷风险,并分析银行根据企业风险应制定的信贷策略.

Small and medium-sized enterprises(SMEs)are important objects of bank credit in China.It is of great significance for macroeconomic development to plan the credit strategy of banks for SMEs.Aiming at the risk evaluation of small and medium-sized enterprises and the planning of bank credit strategy,based on the theory of artificial neural network and fuzzy mathematics,the BP neural network model and fuzzy comprehensive evaluation model are constructed and solved.Finally,by the comprehensive application,the fine measurement of credit risk assessment of each enterprise under different conditions and the reasonable coordination of corresponding credit strategies is realized.Based on the model,the missing data is accurately predicted to improve the rationality of the data structure,improve the completeness of the model,evaluate the credit risk of the enterprise quantitatively based on the strength and reputation of the enterprise,and analyze the credit strategy that the bank should formulate according to the enterprise risk.