Research on optimization model of bank credit strategy
DOI: 10.23977/ferm.2021.040310 | Downloads: 17 | Views: 886
Author(s)
Siyuan Wang 1
Affiliation(s)
1 School of Medical Imaging, Hangzhou Medical College, Hangzhou, Zhejiang, 310000
Corresponding Author
Siyuan WangABSTRACT
Aiming at the lending strategy of small and medium-sized micro enterprises, the credit strategy is divided into three parts: whether to provide credit services, the credit line and the annual interest rate of loans. The fuzzy comprehensive evaluation method is used to obtain the credit degree matrix, and the optimization model is established to calculate the credit line and interest rate preferential scheme. This paper tests the model from two aspects: the form of enterprise profit (quarterly average profit and monthly average profit of two enterprises are randomly selected) and the regression analysis of customer churn rate (fitting the first-order function and power function).
KEYWORDS
enterprise credit strategy, Fuzzy comprehensive evaluation method, Regression analysis, Sensitivity analysis, linear programmingCITE THIS PAPER
Siyuan Wang. Research on optimization model of bank credit strategy. Financial Engineering and Risk Management (2021) 4: 58-62. DOI: http://dx.doi.org/10.23977/ferm.2021.040310
REFERENCES
[1] Jiang, Qiyuan, Xie, Jinxing, YeJun. Mathematic model [M]. Higer educatio press, 2011.
[2] Baidu pepedia "corporate profit" entry.https://baike.baidu.com/item/corporate profit. 2020.9.11.
[3] Sina Finance We Media comprehensive. People's livelihood macro: don't ignore the economic repair force capital market crisis organic.http://finance.sina.com.cn/stock/t/20200201/dociimxxste8083921.shtml.2020.9.11.
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