| 中小微企业的信贷决策 |
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| 引用本文： | 程秀丽,田圆.中小微企业的信贷决策[J].中小企业管理与科技,2021(5). |
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| 作者姓名： | 程秀丽 田圆 |
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| 作者单位： | 山东华宇工学院基础教学部 |
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| 基金项目： | 2019年度山东华宇工学院人文社科校级课题“P2P网络贷款平台的陷阱与对策研究”(编号:2019RW13)。 |
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| 摘 要： | P2P网络借贷在为个人和中小企业投融资提供便利的同时,也带来了一系列的问题,不利于行业的稳定发展,因此,对各中小企业的风险评估特别重要。论文选取若干个风险指标,对123家中小企业进行数据调研,计算各风险指标因素的风险值,利用理想算法确定各指标因素的权重提出风险防范的建议。
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| 关 键 词： | P2P 信贷 风险防范 |
Credit Decision-Making for Small,Medium and Micro Enterprises |
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| CHENG Xiu-li,TIAN Yuan.Credit Decision-Making for Small,Medium and Micro Enterprises[J].Management & Technology of SME,2021(5). |
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| Authors: | CHENG Xiu-li TIAN Yuan |
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| Institution: | (Department of Basic Education,Shandong Huayu University of Technology,Dezhou 253000,China) |
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| Abstract: | While P2P network lending provides convenience for the investment and financing of individuals and small and medium-sized enterprises,it also brings a series of problems,which is not conducive to the stable development of the industry.Therefore,the risk assessment of small and medium-sized enterprises is particularly important.This paper selects several risk indicators,carries on the data investigation to 123 small and medium-sized enterprises,calculates the risk value of each risk index factor,uses the ideal algorithm to determine the weight of each index factor and puts forward the risk prevention suggestion. |
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| Keywords: | P2P credit risk prevention |
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