In order to help banks(or financial institutions)to evaluate customers'credit in the accounts receivable finan-cing business,16 indicators such as"business ability"are selected from five factors,including customer quality,financial strength,financial credit,profitability,contract and business settlement,and then the credit evaluation index system is estab-lished.Considering the characteristics of indicators,the credit evaluation model based on A-FA method is constructed.The rela-tive weights of evaluation indexes at each level are established by Analytic Hierarchy Process.For the fuzzy index,the Fuzzy Comprehensive Evaluation method is used.For the index with definite value,the Accurate Value Assessment Method is used to give the score.The sum of the two scores is the total score of the credit evaluation,thus obtaining the credit rating of customers.Finally,it is verified by a practical calculation example.The research indicates that the model has good reliability and applicabil-ity in credit evaluation,and the evaluation results can provide a reference basis for banks(or financial institutions)to evaluate customers'credit.
万方数据
维普
