Credit Decision-Making Problem of Small, Medium and Micro Enterprises Based on Logic Equation

Abstract

In this paper, the bank to small, medium and micro enterprises credit problems for multidimensional decision-making research, quantitative analysis of the credit risk of enterprises, the establishment of a model to give the bank's corresponding credit strategy, and the model has been tested, analyzed and promoted. In order to solve the problem, we establish a Logistic regression model to quantitatively evaluate the credit risk of enterprises, and use the gradient descent algorithm to help solve the problem, and finally decide whether to lend to a certain enterprise for the bank. Then through the establishment of multi-objective planning model, help the bank to decide how much to lend to each enterprise, how much interest rate, from which the bank in the annual total credit fixed to each enterprise credit strategy. Finally, we test, evaluate and extend the model. The nonlinear regression model based on gradient descent algorithm has high accuracy in solving the dichotomy problem, and the multi-objective programming provides ideas for banks to formulate specific credit strategies.