基于多层次模糊综合评价的中小企业信用风险评估

摘要

SMEs is an important part of the social economy,but the credit risk of SMEs is dif-ficult to obtain due to the information asymmetry.This paper constructs a multi-layer fuzzy com-prehensive evaluation model to evaluate the credit risk of SMEs by introducing the fuzzy compre-hensive method and designing the indicator system which includes the industry condition,the in-dustry chain,the product information,the management level,the financial condition and the credit condition of a company.And the example analysis shows that the method proposed in this paper is effective to evaluate the credit risk of SMEs.%引入多层次模糊评价方法，设计包括行业状况、上下游状况、产品状况、管理水平、财务状况和资信状况的指标体系，构建多层次模糊综合评价的中小企业信用风险评估模型。算例分析表明该方法综合了定性因素和定量因素，能有效地评价中小企业的信用风险。