摘要
In this paper,we establish a logit model to evaluate the non-default probability of small and medium-sized enterprises.Based on the data from 2020 National Mathematics Competition for College Students,we construct financial indicators and credibility indicators,using BP neural network and logistic regression to calculate the probability of small and medium-sized enterprises’not default.Then,we use nonlinear programming to optimize banks’credit decision and give the specific loan amounts of each small and medium-sized enterprise.
