Research on Credit Decision of Micro-small and Medium-sized Enterprises Based on Regression Model
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.
logistic regressionmultiple linear regressioncredit risk strategyR language
万方数据
维普
