An Application of Cloud Theory on Evaluating the Credit Risk of Enterprise Groups

摘要

Enterprise groups have always been the most important credit customers of commercial banks, the credit risk evaluation of the customers for commercial banks is essential to manage their credit risk. Simple quantitative evaluation may be difficult to characterize the complex association relationships between enterprise groups, so this paper use cloud theory in the process of evaluating the credit risk of enterprise groups, introduce the financial indexes and some indexes that can reflect the characteristics of enterprise groups, and established the cloud evaluation model for enterprise groups based on the combination of quantitative and qualitative analysis. The example shows that this method is feasible and effective.