Education, Science, Technology, Innovation and Life
Open Access
Sign In

A New Model System of Optimal Revenue and Rating Classification Based on Credit Strategy

Download as PDF

DOI: 10.23977/infse.2021.020105 | Downloads: 0 | Views: 109


Jie Xiang 1, Yi Wu 1, Qian Gong 1


1 School of Science, Hangzhou Normal University, Hangzhou, Zhejiang, 311121

Corresponding Author

Jie Xiang


According to the credit, scale, strength and other indicators of different enterprises, banks comprehensively judge whether they want to lend to enterprises, the amount of loan, interest rate and term. Small, medium and micro enterprises occupy a large scale in the market. How to analyze the credit risk of small, medium and micro enterprises and get the optimal credit strategy? In this paper, a new model system is established, which is called “optimal revenue and rating classification”. The “optimal revenue” is the optimal revenue risk model, and the “credit rating” is the credit rating classification model. This paper analyzes eight indicators of credit risk, uses Python to quantify the data, imports them into Matlab for grey correlation analysis, and normalizes the results. Analyze and explain the standardized data, get the reciprocal weight of each enterprise credit risk, establish the optimal income risk model according to the principle of high income and low risk, solve the model with Matlab, and get the optimal annual interest rate for each enterprise. According to the different credit rating of enterprises, combined with the risk index to determine the credit line formula.


optimal revenue and rating classification, optimal revenue risk, credit rating classification


Jie Xiang, Yi Wu, Qian Gong. A New Model System of Optimal Revenue and Rating Classification Based on Credit Strategy. Information Systems and Economics (2021) 2: 27-30. DOI:


[1] Zhang Di. Research on green credit risk assessment of commercial banks in China -- Based on fuzzy analytic hierarchy process and BP neural network algorithm [J]. Shanxi Agricultural Economics, 2019 (05): 147-148;
[2] VAT reform [J]. Tianjin economy, 2011 (11): 82;

Downloads: 74
Visits: 6241

All published work is licensed under a Creative Commons Attribution 4.0 International License.

Copyright © 2016 - 2031 Clausius Scientific Press Inc. All Rights Reserved.