A Bank Credit Decision Model Based on Bi-Objective Planning
DOI:
https://doi.org/10.54691/bcpbm.v24i.1428Keywords:
Credit model; Risk assessment model, Multiple logistic regression objective planning.Abstract
Since the implementation of market economy, credit business of commercial banks has been the main source of their revenue and credit risk is also the main risk they face. MSMEs are the main customers of commercial banks, and at the same time, MSMEs are characterized by small scale and lack of collateral assets. Therefore, it is of great significance to reasonably quantify the credit risks of MSMEs and formulate credit strategies to improve banks' returns. The problem of how commercial banks adjust their credit strategies for enterprises under the influence of unexpected factors. We select 10 representative manufacturing companies on the Shenzhen Stock Exchange to form manufacturing industry stocks to predict the impact of the new crown pneumonia on manufacturing returns.
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