The Quantitative Analysis and Decision-making of MSMEs’ Credit Risk

In this study, we focused on the quantitative analysis and decision-making of credit risk Micro, Small Medium Enterprises (MSMEs) from perspective bank. Based data 123 MSMEs, extracted processed information original with theoretical feature engineering, established an entropy weight-TOPSIS model to get index each MSME. Meanwhile, strategy optimization was constructed, DE algorithm used solve scheme for bank According relationship between total annual bank, interest rate expected profit, analyzed partial sensitivity explored maximum profitability finally gave helpful suggestions. Our results have guiding significance banks manage make decisions MSMEs.