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The Comprehensive Credit Evaluation Model of Micro and Small Enterprises Based on Fuzzy Comprehensive Evaluation Method——Facing the Internet Financial Service Platform
Pages: 25-29
Year: Issue:  10
Journal: Xi'an Finance

Keyword:  internet financemicro and small enterprisecredit evaluationfuzzy comprehensive evaluationAHP;
Abstract: Compared with medium and large enterprises, micro and small enterprises are lack of material and credit guarantee,have difficulties in obtaining loans from the traditional financial institutions, while internet financial service institutions are short of efficient and low-cost credit evaluation system aiming at micro and small enterprises. To attempt to solve the problem, combining "5c factor analysis method" and "5p factor analysis method", using the core idea of the AHP analytic hierarchy process(AHP) and fuzzy comprehensive evaluation decision-making, the paper establishes a set of comprehensive credit evaluation model that reflects the features of micro and small enterprises and characteristics of the Internet technology. By conducting an empirical evaluation on a micro and small enterprise in Zhuhai city, the paper proves that the model is feasible and efficient, which provides a credit evaluation model aimed at micro and small enterprises for internet financial service institutions.
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