Author(s)

Wang Jinghan, Song Haoran, Zhang Xinning

Corresponding Author

Wang Jinghan

ABSTRACT

Small, medium and micro enterprises play an important role in supporting the national economy, but they have few credit records and poor guarantee capabilities. Therefore, commercial banks for small and medium enterprises must do adequate pre-lending management. This article separately analyzes the financial indicators of companies with credit records and those without credit records, establishes an accurate, appropriate, and systematic risk assessment model, and gives credit strategies for these companies based on the results of quantitative evaluation. We also optimize the Topsis model based on the entropy weight method. As a non-subjective method of assigning weight to the evaluation index, starting from data analysis alone, the weight of the evaluation index can be calculated without any subjective method.

KEYWORDS

Nonlinear model Topsis model Fisher linear discriminant analysis algorithm BP neural network prediction model