摘要
银行对小微企业信贷策略的制定极具考究,往往基于企业规模,信誉等级以及偿债能力等状况的综合信贷风险进行放贷.基于银行视角对小微企业信贷风险评价所产生的信贷策略问题,采用因子分析法、BP神经网络以及多目标规划模型分别对123家有信誉评级的企业和302家无信誉评级的企业进行信贷风险评价和信贷策略制定,为银行对企业风险管控和放贷策略提供一定的参考意义.
Banks are very sophisticated in the formulation of micro-enterprise credit strategies, often based on the size of enterprises, credit rating and solvency of the comprehensive credit risk. Based on the credit strategy problems arising from the credit risk evaluation of small micro-enterprises from the perspective of banks, in this paper, using factor analysis, BP neural network and multi-target planning model, the credit risk is evaluated and the credit strategy for 123 credit rating enterprises and 302 non-credit rating enterprises are made respectively, which provides some reference significance for banks to control enterprise risk and lending strategy.
作者
谢睿
王鸿铭
王昱璇
朱家明
Xie Rui;Wang Hongming;Wang Yuxuan;Zhu Jiaming(Anhui University of Finance and Economics)
出处
《哈尔滨师范大学自然科学学报》
CAS
2020年第6期53-63,共11页
Natural Science Journal of Harbin Normal University
基金
新时代安徽农村合作金融发展研究(SK2018A0462)
“互联网+”背景下农村合作金融机构会计风险防范研究(ACKY1838)。
关键词
企业信贷策略
因子分析
BP神经网络模型
多目标规划模型
Enterprise credit strategy
Factor analysis
BP neural network model
Multi-target planning model
