| 蔡正群,张经伟,黄昭,宛庆.中小微企业信贷决策的数学模型[J].安徽建筑大学学报,2021,29(1):90-93,102 |
| 中小微企业信贷决策的数学模型 |
| Mathematical Model of Credit Decision of Small and Medium Sized Enterprises |
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| DOI： |
| 中文关键词: 信贷决策 灰色预测模型 多元线性回归模型 |
| 英文关键词: Credit decisions grey prediction model multiple linear regression model |
| 基金项目:2020 年度安徽省教育厅科学研究一般项目（SK2020JD15），安徽建筑大学引进人才及博士启动资金（2016QD16），安徽建筑
大学校级质量工程项目（2020jy05、2018jy09）。 |
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| 中文摘要: |
| 为研究实际情况中，银行对规模较小、抵押资产较少的中小微企业的信贷策略，先利用企业的盈利
表示企业实力、用模糊综合评价法测算企业信誉、用灰色预测分析法预算突发因素的影响来量化信贷风险的
影响因素，之后用量化后的数据建立多元线性回归模型，并由 AHP 确定多元线性回归模型的权重系数，得到
信贷风险与中小微企业实力、信誉以及突发因素之间的关系。最后，由建立的模型分析判定企业信贷风险的
等级，由此确定不同企业的信贷策略。 |
| 英文摘要: |
| In order to discover the bank’s credit strategies for small and medium-sized micro enterprises with small scale and less
mortgage assets. First of all. this paper uses the enterprise’s profit to express the enterprise’s actual strength，then uses the fuzzy
comprehensive evaluation method to measure the enterprise’s reputation. Besides using the grey prediction analysis method to budget
the influence factors of sudden emergency. And finally a multiple linear regression model that using quantified data was be established.
It called The weight coefficient of multiple linear regression model as well as determined by AHP，and the relationship between credit
risk and strength，reputation and sudden factors of small and medium-sized enterprises is obtained. Finally，the credit risk level of
enterprises is determined by the established model analysis，so as to determine the credit strategies of different enterprises. |
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