基于TOPSIS思想的农户信贷风险的Vague集评价方法

Vague Set Evaluation Method for Farmers’Credit Risk Based on TOPSIS Idea

为了得到农户信贷风险决策方案的优选模型,首先分析了信贷风险的影响因素,提出对于定量和定性指标的处理方法,然后借助Vague集理论定义了相似度量公式,接着基于TOPSIS思想,定义了各方案与正负理想解之间的加权距离,继而通过计算得出的加权距离定义了贴近度函数,根据相对贴近度函数值对信贷方案进行排序和优选.最后通过一个仿真实例,验证了模型的有效性和实用性.

In order to obtain the optimal model of farmers’credit risk decision-making scheme,the influencing factors of credit risk are firstly analyzed,and the processing methods for quantitative and qualitative indicators are proposed.Then,the similarity measurement formula is defined with the help of the Vague set theory.Based on the TOPSIS idea,the weighted distance between each scheme and the positive and negative ideal solutions is defined,and then a closeness function is defined by the calculated weighted distance,and the credit schemes are ranked and preferred according to the value of the relative closeness function.Finally,a simulation example is used to verify the validity and practicability of the model.