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

Research on optimization model of bank credit strategy

Download as PDF

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 Wang

ABSTRACT

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 programming

CITE 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.

Downloads: 14839
Visits: 316907

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

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