Bank Credit Decision Analysis Based on Fuzzy Analytic Hierarchy Process

This article starts from the perspective of the bank. The fuzzy analytic hierarchy process is used to establish a risk assessment model, and the bank's credit rating for small, medium and micro enterprises is obtained. Use target optimization methods to establish credit decision models. We perform regression analysis on existing data to get the relationship between bank loan amount, and annual interest rate. Then we established the objective function to maximize the net profit of bank credit and calculated the annual interest rate and loan amount of each level of enterprise. This enables banks to assess the credit risks of different companies when facing loans to small, medium and micro enterprises, and then make loans reasonably.