Two Fuzzy Credit Risk Evaluation Models for China's Commercial Bank Loans to Large and Medium-Sized Enterprises

摘要

Two credit evaluation models have set up using fuzzy comprehensive judgment and analytic hierarchy process for the commercial banks to deal with China's large and medium-sized enterprises credit loan problem. The fuzzy synthesis judgment evaluation model is used to examine the situation of San-Jing Pharmaceutical Company and the result is consistent with the enterprise's actual situation. Fuzzy AHP model is used to evaluate the same company and the similar conclusion was drawn. Both fuzzy assessment methods produce consistent results. The method can effectively improve the non-performing loan ratio of commercial banks and reduce customer credit risk loans.