基于灰聚类的中小企业信用等级评价及应用探究  

Evaluation and Application of Small and Medium-sized Enterprises Based on Gray Clustering

作　　者：任向英 REN Xiangying(School of Economy Trade and Tourism,Hefei Technology College,Hefei 230022,China)

机构地区：[1]合肥职业技术学院经贸旅游学院,安徽合肥230022

出　　处：《佳木斯大学学报（自然科学版）》2022年第5期156-159,共4页Journal of Jiamusi University：Natural Science Edition

基　　金：安徽高校人文社会科学研究项目(重点)课题安徽发展智慧经济战略路径和政策研究(SK2019A0940)。

摘　　要：针对中小企业经营中的信用风险,提出灰色聚类评估方法,重点分析该评估法的原理与应用方式,并结合实证分析,评估中小企业的信用情况。根据实证分析结果可知,在关联度较为靠前的企业中,灰类等级大多为良好以上;关联度较差的企业,通常灰类等级也处于差等,灰色聚类评估结果与市场实际情况基本相同,具有较强的可信度。According to the credit risk of small and medium-sized enterprises,the grey clustering evaluation method is put forward,focusing on analyzing the principle and application method of the evaluation method,and evaluating the credit situation of small and medium-sized enterprises combined with empirical analysis.According to the empirical analysis results,among the enterprises with high correlation,most gray grades are above good.The enterprises with poor correlation are generally poor,and the gray cluster evaluation results are basically the same as the actual market situation,and have strong credibility.

关 键 词：灰聚类 中小企业 信用等级评价 应用方法 

分 类 号：F275[经济管理—企业管理] F820.4[经济管理—国民经济]