Credit Decision System of Small and Medium Sized Micro Enterprises Based on Big Data Technology and Risk Assessment Thinking

Abstract

In order to solve the common credit decision-making problem of most small and medium-sized enterprises, this paper proposes a new credit decision-making system for small and medium-sized enterprises based on big data technology and risk assessment thinking. The decision-making system fully analyzes the problems existing in the credit decision-making of most small and medium-sized micro enterprises, and gives full play to the powerful function of big data technology in data processing. Based on this, the decision-making system also constructs a comprehensive evaluation model, cluster analysis model, adds matlab algorithm, and from the perspective of risk assessment thinking, insists on minimizing the risk of credit decision-making. The results show that the decision-making system can analyze the credit problems of most small and medium-sized enterprises from a comprehensive and scientific perspective, and obtain the optimal credit strategy of enterprises through qualitative and quantitative analysis.