The Credit Risk Evaluation Of Small And Micro Technology Enterprises Based On Intuitionistic Fuzzy

Technological SMEs are the most active and developing potential groups in the development of science and technology innovation activities in China.They play an irreplaceable role in increasing employment,promoting economic growth,promoting technological innovation and optimizing industrial structure.But the lack of financing channels,financing amount and other factors have restricted the development of technological SMEs,the root cause of the difficulties in financing is the credit problem.This is mainly due to the existence of many problems in Technological SMEs,for example small scale of capital,high management risk,poor management level and non-standard financial system.It is difficult for commercial banks to determine the loan risk of small and technological small and micro enterprises,and rarely give it financial support.In addition,the cost of credit is high,the operation way is complex,and the ability of collateral to pledge is weak.So many small and micro technology enterprises with great potential of development are in financial difficulty,which seriously restricts their further development.Therefore,the research on credit risk assessment of technological SMEs is very important.However,there are three urgent problems to be solved in the research of credit risk assessment of technological SMEs:(1)The construction of credit risk assessment system for technological SMEs.The scientific and reasonable credit evaluation system is the basis of whether the bank can accurately evaluate the credit risk of the enterprise.The SMEs of science and technology have their own development characteristics.Banks can not copy the credit rating system of large and medium-sized enterprises to carry on credit rating.(2)The determination of the weight of evaluation index.The credit rating system of technological SMEs contains both quantitative indicators and qualitative indicators.How to accurately determine index weights is also the basis for banks to accurately assess the credit risk of enterprises.(3)The processing of fuzzy information in the decision making of credit risk assessment for SMEs of science and technology.In the enterprise credit rating process,due to the complexity of the environment and decision maker's knowledge structure and professional level and other factors,decision makers often cannot provide the precise preference information of decision scheme,the information given there are some hesitation,how to carry on the information processing is a key problem in decision making.To solve the above problems,this paper proposes a TOPSIS method based on intuitionistic fuzzy multi-attribute group decision making with known attribute weights to evaluate the credit risk of technological SMEs.Firstly,based on literature research and questionnaire survey,we built a set of credit evaluation system for SMEs of science and technology by factor analysis,and then a multi-objective decision analysis method,a hierarchical analysis method,is proposed to determine the weight of the first and two level indicators.Secondly,we use the intuitionistic fuzzy number to express the decision information in the credit risk evaluation of the SMEs of science and technology,so that the decision can express more decision information.However,in practical management decisions,many decision makers need multiple decision-makers to participate.At the same time,considering the difference of decision-maker's knowledge structure and professional level,different weights are assigned to them.Then,TOPSIS is applied to prioritize alternatives.Finally,combined with the actual case of Ningbo bank,we verify the effectiveness and practicability of the model,and compare it with the results obtained by the Bank of Ningbo according to the traditional method.