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EDI020.pdf
Article Title : Credit Decision of Small and Medium Sized Enterprises based on Credit Risk
Author(s) : Shi Zhang, Chang Feng, Le Huang, Tianlin Xu
Corresponding Author : Tianlin Xu
Keywords : Multi Attribute Decision Making Model Entropy Weight Method, Credit Risk Assessment Coefficient, Loss Factor.
PDF : http://download.BCPub.org/proceedings/2020/EDI2020/EDI020.pdf
Abstract

With the "mass entrepreneurship, innovation" slogan put forward, small and medium-sized enterprises have become an important part of the national economy. How to make a scientific and reasonable credit policy for small and medium-sized enterprises to ease the difficulty of financing and high financing has become an important issue. Based on the relevant data of 123 enterprises with credit records and the statistical data of the relationship between loan interest rate and customer churn rate in 2019, this paper establishes a mathematical model to quantitatively analyze the credit risk, and provides a scientific and reasonable credit strategy for banks.

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