Micro-small and medium-sized enterprises play important roles in relieving social employment pressure.Because of the relatively small scale of enterprises and lack of mortgage assets,there are many difficulties in banking loan.Therefore,a credit risk rating model,a logistic regression model of credit quantitative risk,a credit line regression model and an interest rate regression model are constructed.Taking the concrete example,using the relevant data,a specific enterprise determines wheth-er to lend or not,the loan amount,the interest rate preferential and the term according to the above model.
关键词
逻辑回归/多元线性回归/信贷风险策略/R语言
Key words
logistic regression/multiple linear regression/credit risk strategy/R language
维普
万方数据