Research on Credit Strategy of Small and Medium Enterprises Based on Subjective and Objective Comprehensive Evaluation

Abstract

In order to study the adjustment of national policies on medium, small and micro enterprises, and to determine the credit risk and credit strategy of banks to medium, small and micro enterprises. Firstly, the enterprise strength and comprehensive reputation of small and micro enterprises are analyzed, and their weight is determined by the subjective and objective comprehensive evaluation method, and the credit risk factors of each enterprise are calculated. A dual objective optimization model was established and solved by simulated annealing algorithm. The optimal profit amount and annual average interest rate of banks for different industries and different categories of credit strategy are obtained. Analytic Hierarchy process and Fuzzy Bayesian network are used to explore the influence of multiple emergent factors on banks adjustment credit strategy.