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Academic Journal of Business & Management, 2022, 4(16); doi: 10.25236/AJBM.2022.041617.

Small and Medium Enterprise Credit Risk Assessment


Zunhui Li

Corresponding Author:
Zunhui Li

College of Science, Shihezi University, Shihezi, Xinjiang, 832003, China


In recent years, the state encourages the development of small and medium-sized enterprises and promotes economic growth, but small and medium-sized enterprises lack real assets and cash, so they need to borrow from banks. Most SMEs are small and have unstable supply chains, making them prone to bankruptcy, and leaving banks unable to recover their loans. In this paper, the random forest model is used to determine the credit risk strategy, and the SVM support vector machine is used for prediction and verification. The results show that the credit risk strategy has high accuracy and can help banks avoid credit risk.


small and medium enterprises, random forest, SVM

Cite This Paper

Zunhui Li. Small and Medium Enterprise Credit Risk Assessment. Academic Journal of Business & Management (2022) Vol. 4, Issue 16: 99-102. https://doi.org/10.25236/AJBM.2022.041617.


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