Quantified Technique on the Categorization of Bank′s Credit RisksFuzzy Overall Decision-making

黄益绍; 林都

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Quantified Technique on the Categorization of Bank′s Credit RisksFuzzy Overall Decision-making

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- Quantified Technique on the Categorization of Bank′s Credit RisksFuzzy Overall Decision-making
- 银行贷款风险分类定量化技术模糊综合评判
- Issue 5, Pages: 338-341(2004)
- 作者机构：
  
  1. ,山西,太原,030051
  2. 华北工学院自动控制系
- 作者简介：
- 基金信息：
- DOI：
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- Published：2004
- 稿件说明：
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黄益绍, 林都. Quantified Technique on the Categorization of Bank′s Credit RisksFuzzy Overall Decision-making[J]. 2004, (5): 338-341.
DOI：

黄益绍, 林都. Quantified Technique on the Categorization of Bank′s Credit RisksFuzzy Overall Decision-making[J]. 2004, (5): 338-341. DOI：

摘要

　对银行信贷管理中对借款企业贷前贷后进行了贷款质量评估

在评价指标的基础上

构建了一个模糊因素集.采用专家估测法建立其相应的单因素评判集.然后运用统计加权法确定单因素的权重.结合实例具体说明了怎样进行模糊综合评判决策以达到贷款风险分类的定量化、准确化的目的.最后对该决策模型的运用进行了回顾与技术上的深入分析.

Abstract

A fuzzy factor set is constructed in the paper on the base of an appraisal index system by which banks appraise enterpries′ credit qualities both before and after their official sanctioning loans to enterprises in the course of credit management

and its corresponding single factor appraisal set is structured by means of an expert evaluation approach. Then the weights of single factors are determined in virtue of a statistical weighted approach and an auxiliary example is used to show how to apply the fuzzy overall appraisal decision-making model to the categorization of credit risks so as to attain its quantification and accuracy. Finlly

its technical analysis as well as retrospect is deeply made as to the application of the model.

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references

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