基于指标合成的中小微企业信贷决策

Credit decision of small,medium and micro enterprises based on index synthesis

为了解决中小微企业由于规模受限贷款难度越来越大的问题,建立了基于指标合成的中小微企业信贷策略。通过确定其衡量企业风险及信誉度的各项指标,建立指标合成的权重评价模型,运用熵权法计算中小微企业各指标权重,得到中小微企业的排名及风险评估分数。最后建立了基于客户流失率、信誉评级与贷款年利率关系模型,计算出相应的银行贷款利率。并引用123家有信贷记录企业的相关数据进行实例验证,结果表明本文所建立的信贷模型很好地解决了企业与银行之间的信贷问题。

To obtain loans has become more and more difficult for small,medium and micro enterprises due to their limited scale.By determining the eight major indicators to measure the risk and credibility of enterprises,the weight evaluation model of index synthesis is established,and the weight of each index is calculated with the entropy method to obtain the ranking and risk assessment scores for small and medium-sized enterprises.The relationship model between customer turnover rate,credit rating and loan interest rate is established,to calculate the corresponding bank loan interest rate by Matlab.By citing the relevant data of 123 enterprises with credit records for example verification,the results show that the credit model established in the paper can well solve the credit problem between enterprises and banks.