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EMEHSS041.pdf

Article Title : Bank Credit Decision based on Win-win Game
Author(s) : Jingqiu Li
Corresponding Author : Jingqiu Li
Keywords : Game Theory; Logistics Regression; Analytic Hierarchy Process.
PDF : http://download.BCPub.org/proceedings/2020/EMEHSS2020/EMEHSS041.pdf
Abstract

This article aims to study the Win-win game between banks and customers in the credit process, discussing credit risk in the order from industry to individual, and presents the bank risk in the face of customers with known credit records and customers with unknown credit records. Determine the bank's interest rate and quota for the company based on the structure of the industry compliance rate, industry quota, corporate compliance rate, corporate ethics coefficient and customer churn rate and bank interest rates, so that the bank can get the maximum benefit with the least risk. Since no fixed value is given, we discussed the bank yields under different quotas from 5 million to 900 million, and obtained a quota of 40 million as the global optimal solution.

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