摘要
建立GM(1,1)模型预测企业的信贷风险,决定是否放贷,并给出在年度总额为1亿元时对这些企业的信贷策略。同时结合突发情况对企业维持生存时间、企业营收程度、企业资金支出影响等相关数据,通过Python对302家无信贷记录的公司数据进行聚类操作,最终得出302家公司各自的进项发票税额、销项发票税额。通过SPSS实现对净税额(销项税额-进项税额)的统计分析,综合考虑决定银行对中小微企业放贷期限为1年。
Established GM(1,1)model to predict the credit risk of enterprises,decided to lend or not,and gave the credit strategy for the enterprises whose annual total is 100 million yuan.At the same time,combined the impact of outbreak factors on enterprise survival time,enterprise revenue,enterprise capital expenditure and other relevant data,the data of 302 companies without credit records were clustered by Python,and the respective input invoice tax and output invoice tax of 302 companies were finally obtained.Based on statistical analysis on net tax(output tax-input tax)by SPSS,the bank’s lending period to small,medium and micro enterprises was determined to one year.
作者
张二丽
汪太行
王玉龙
ZHANG Erli;WANG Taihang;WANG Yulong(School of Statistics and Big Data, Zhengzhou College of Finance and Economics, Zhengzhou 450044, China;Zhongyuan Institute of Statistics, Zhengzhou College of Finance and Economics, Zhengzhou 450044, China;School of Information Engineering, Zhengzhou College of Finance and Economics, Zhengzhou 450044, China)
出处
《河南教育学院学报（自然科学版）》
2022年第2期27-32,45,共7页
Journal of Henan Institute of Education(Natural Science Edition)
基金
国家自然科学基金项目(12161069)
河南省高等学校重点科研项目(21A110023)
河南省教科文卫体系统“劳模和工匠人才创新工作室”支持项目(豫教科文卫体工〔2021〕21号)
郑州财经学院学术技术带头人培养对象重点培育项目(郑财院发〔2021〕20号)。
