信用担保风险的模糊综合评审研究

The Blur Integrated Evaluation Research on Credit Insurance Risk

信用担保机构是连接银行和企业的桥梁 ,对于改善企业融资环境和拓展银行业务具有重要意义。信用担保风险的评审是担保机构能否生存及有效运行的关键。信用风险的评审机制主观性强 ,对担保项目进行客观、公正的评审比较困难。本文采用模糊数学中的综合判别方法 ,全面考虑风险评审所涵盖的各种风险指标及其重要度 ,建立了定性分析与定量分析方法相结合的信用担保风险综合评审模型 ,为担保机构提供了一种相对科学、客观的评审方法。

The credit insurance organization is the brideg which links the banks with enterprises. It has great importance for economic development.The evaluation for credit insurance risk is key to insurance organization. In the article, the authors bring forward the blur integrated evaluation for credit insurance. The method is objective and effective and can evaluate insurance risk easily.