Credit Decision Problems of MSMEs (Medium, Small and Micro-sized Enterprises)

Micro, small and medium enterprises (MSMEs) have become an important force in driving the country’s market economy 21st century. However, because of following drawbacks: i.e. single enterprise capital chain, unstable economy, high risk, etc., banks will take many risks if they lend to MSMEs. Therefore, it is necessary build a sound bank credit decision system promote development The analytic hierarchy process (AHP) employed classify importance level such as rating strength are used first-grade indexes, six indicators terms total sales profits second-grade indexes. Then, eigenvalue method obtain weights each indicators, influencing factor at then calculated achieve quantitative analysis risk enterprise’s risk. This paper combines existing loan pricing interest rates give preferential higher amounts with excellent ratings, certain risky lower ratings.Based on model, 302 non-credit record carried out bank’ strategy provided when annual 100 million yuan. Finally, this comprehensively considers impact unexpected factors (e.g., COVID-19) enterprises, provides bank’s adjustment