Dynamic Credit Line Decisions for MSMEs

This paper mainly studies the credit risk of micro, small and medium-sized enterprises, and establishes the financial credit risk evaluation model and credit limit decision model. 1. Cluster analysis method is used to construct loan quota model; 2. Build a ternary function interest rate model and use the optimal interest rate method; 3. According to the indicators in the wealth ranking method and RQ evaluation method, the reputation rating model is constructed through spearman correlation coefficient detection and multiple regression fitting to evaluate the reputation; 4. Build the optimal loan model, and solve the enterprise loan amount through computer simulation; 5. Establish the expression of stochastic process that includes the influence of corporate profit on systemic risk and make the optimal allocation of loan amount.