Analysis of the Clustering Analysis Based on AHP and fuzzy extension of the SME credit evaluation毕Word格式文档下载.docx
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Abstract:
Thetraditionalcreditpolicy,theBankSMEcreditevaluationistheevaluationofindividualenterprisesasthemainbody,thearticleexceededthislimit,thefinancialmodelofsupplychainindexsystemestablishedcreditcriteria,creditevaluationindexsystemwasconstructed,andestablishedbasedonclusteranalysisandfuzzyextensionofAHPcreditevaluationmodel,themodelnumberofthebasictheoryofintervalfuzzyAHPgroupintroducedintotheevaluation,theuseofclusteranalysistodeterminetheweightsofexperts,combinedwithfuzzycomprehensiveevaluationmethodcometoassessthevalueoftheobjectofcreditevaluation.Finally,itscorporatecreditratingsforA,examplesshowtheeffectivenessofthemethod.
Keywords:
Supplychainfinance,creditevaluation,fuzzycomprehensiveevaluation,extensionAHP,clusteranalysisI.Introduction
SupplychainfinancetheChinesecapitalsince2006salonmanagerstoidentifyandin-depthdiscussion,moreandmorebydomesticmajorcompaniesandbankingapplications,hasbecomethecrackofthecurrentfinancingproblemsofSMEsinnovativefinancialproducts.Supplychainfordomesticandforeignscholars,financialservices,respectively,wereanalyzedfromdifferentangles.AllenN,whomadeanumberofSMEfinancingnewideasandtheframework,firstproposedtheideaof?
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supplychainfinance.GonzaloGuillenwasstudiedbyshort-termsupplychainfinancing,andthereasonablesupplychainmanagementcanaffecttheoperationoffinancialintermediationandbusiness,therebyincreasingtheoverallsupplychainbenefits.Inthispaper,fuzzyextensionofAHPmodelforsupplychainfinancetheSMEcreditriskevaluationmethodThemethodusesextensionnumberrangetorepresenttherelativeimportancebetweenthevariousindicators,levelofanalysisthanthetraditionalmorescientificandmorereasonable,establishedbyexpertscoringmatrixtodeterminetheextensionrangeofindividual,calculatedforeachleveloftheindividualtodeterminetheindexweight,applicationofclusteranalysis,theexpertsystem,theindividualorderingvectorclusteringtodeterminetheweightfactorexperts,obtainedcomprehensiveweightatalllevels,combinedwithfuzzycomprehensiveevaluationmethodtoevaluatestepbystep,finallygetcomprehensiveevaluation.
Second,basedonsupplychainfinanceSMEcreditevaluationindexsystemThiscreditpolicy,drawingontraditionalSMEcreditevaluationofthebasicframework,basedonthecharacteristicsofitsownsupplychain,finance,combinedwiththeborrower’screditlevel,emphasisontheliquidityofthesingleself-financingcapacityandsumofthesupplychainorganizationlenderstheabilitytotrade,thesupplychainofSMEsforcreditevaluation.evaluationindexsystemshowninFigure1.
Third,basedonclusteranalysisandfuzzyAHPExtensionSMEcreditevaluationmodel1extensiongroupAHP.
(Anextensiontodeterminethematrixstructure.Inthispaper,Saaty’sreciprocalof1-9scalemethodtodeterminethematrixasastandardquantitativecriteriainthiscriterion,eachpairwisecomparisonofexpertsbelongingtothesamelevelofindividualindicatorsrelativeimportance,toreflecttheambiguityofhumanknowledge,havesomeflexibilitywiththenumberoftheimportanceofintervalscale,assumingthatthemexpertstoparticipateindecision-making,thenthematrixtodeterminetherangeofpercapitaincomewererecordedas,A1,A2,...,Am,inwhichAk=(aijknn,aijk=[aijk-,aijk+],k=1,2,...,m,i,j=1,2,...,n.
Thethirdstepistodeterminetheconsistencyofthematrixandif0?
Supf?
Xie1?
Supg,saidtheextensiontodeterminethematrixhasgoodconsistencymatrixtodetermineifcorrectionisrequiredtomeetorexpertstore-determine.
Thefourthstep,findtheweightvector.
Sk=(Sk1,Sk2,...,SknlT=(2
Sknlgiventhatexpertkllayeronthen-thelementoftheweightvectorlayerfactors.
2fuzzycomprehensiveevaluation.Herearetwofuzzycomprehensiveevaluationofthebasicsteps:
(AdivisionfactorsetLetfactorsetU={u1,u2,...,un},evaluationscalesetV=(v1,v2,...,vm,accordingtoUintherelationshipbetweenthevariousfactorsintokcopiesofU,setthei-thsubsetUi={ui1,ui2,...,uin},i=1,2,...,k.
(2-levelevaluation.Uiforeachmodelusingacomprehensiveevaluation,tocalculatethecomprehensiveevaluationvector,
Bi=Wi.Rii=1,2,...,n(4
Where,‘.’Fuzzysynthesisoperation,Wiistheweightvector1niorder;
RiUi’snim-orderforthesingle-factorevaluationmatrix;
Bi1morderfortheUiontheresultsofacomprehensiveevaluationmatrix.
(3)multi-levelc