Research on Credit Strategy of small and medium-sized Enterprises based on Optimization method

Abstract

Aiming at the credit strategy of small and medium-sized enterprises, this paper makes a related research on risk assessment. First of all, carry on the corresponding risk assessment to the small and medium-sized enterprises and divide the corresponding grades, and finally determine the proportion of the credit funds of certain enterprises to the total credit of the bank in the whole year. Then a scientific risk assessment model is established by grading and calculating the proportion of funds. Based on the simplex method of linear programming, this paper studies the annual credit allocation of enterprises, and obtains the optimization model of bank loan income, and then produces the optimal scheme of annual credit allocation of enterprises.