Author(s)

Jiayu Zhu ¹, Yudan Ye ¹, Yingchi Lin ¹

Affiliation(s)

¹ China business school, Guangdong University of Finance and economics, Guangdong, Guangzhou, 511300

Corresponding Author

Jiayu Zhu

ABSTRACT

In this paper, through the analysis of the factors that affect the credit decision-making of small and medium-sized enterprises, we find out the optimal credit strategy. First of all, the main problems to be solved are the quantitative analysis of credit risk and the optimal credit strategy under the fixed annual credit amount. Calculate the profit amount of each enterprise and the profit situation of each enterprise every year, and quantitatively analyze the credit risk according to the credit rating in the enterprise information. On the other hand, whether the total number of invoices and the amount of invoices in the backward invoice information and sales invoice information are stable to judge whether the supply and demand of the enterprise is balanced or not. And whether the strength of the enterprise is strong or not to decide whether to grant loans to enterprises, and calculate the weight of enterprises at all levels. From the bank's point of view, the lower the credit risk assessment, the stronger the enterprise must be the more loans, the better the preferential policy of the loan interest rate. Then carries on the credit risk quantitative analysis and the optimal credit strategy to the enterprise. Then it analyzes the relationship between the enterprise and the cancellation ratio range and fluctuation range of the invoice. Finally, the optimal credit strategy is obtained.

KEYWORDS

Credit strategy, Quantitative analysis, Analytic hierarchy process, Optimal strategy

CITE THIS PAPER

Jiayu Zhu, Yudan Ye, Yingchi Lin. Research on Credit Strategy of small and medium-sized Enterprises based on Analytic hierarchy process. Information Systems and Economics (2021) 2: 49-53. DOI: http://dx.doi.org/10.23977/infse.2021.020110.

REFERENCES

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[3] Liang Di. Research on the influence of Bank-Enterprise relationship on loan financing of small and medium-sized Enterprises [D]. Central University of Finance and Economics, 2015.
[4] Wu Tielin. Research on risk Control of Credit Business of Commercial Banks [J]. Management and Technology of small and medium-sized Enterprises (first ten days), 2014 (01): 68-70.
[5] Huang Jing. Quantitative Research on Bank Credit risk based on Fuzzy Analytic hierarchy process [D]. Huazhong University of Science and Technology, 2007.
[6] Wei Canqiu. Research on unified commercial bank risk management system and capital allocation risk management model [D]. Sichuan University, 2004.

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