期刊名称：Journal of Theoretical and Applied Information Technology
印刷版ISSN：1992-8645
电子版ISSN：1817-3195
出版年度：2020
卷号：98
期号：6
页码：1076-1086
出版社：Journal of Theoretical and Applied
摘要：In the article, the features of lending to small (medium) businesses are considered. A method for assessing the creditworthiness of small businesses based on the application of the mathematical apparatus of the theory of fuzzy sets is proposed. There are analyzed 22 parameters, such as: industry development dynamics, market demand for products, current solvency and liquidity ratios, receivables and payables turnover ratios, etc. In general, it is assumed that any parameter takes values on a certain interval of real numbers. Further, the values of the initial indicators are mapping on the interval [0,1]. This process is called data unification. The rules on the basis of which decisions are made are formulated in the form of logical formulas containing parameters. Some parameters are obtained as a result of the analysis of the enterprise, other parameters are predicted. A software system is currently being implemented to support the lending process.
关键词：Creditworthiness;Lending to small and medium-sized businesses;Data unification;Fuzzy logic;Linguistic variable;Logical rules;Decision making
