AHP를 이용한 수협 어업인 신용평가모형에 관한 연구
A Study of Fishermen Credit Scoring Model Using by AHP Analysis
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Recently the importance of risk measurement & management is gathering strength, but small-size enterprises is not beyond basic level. Especially in the credit scoring model for fisherman, concentration of grade is conspicuous and in some part of it reversal appearance of default rate is happening. At this time, development of new credit scoring model is required. The purpose of this treatise is to suggest model development methods using non-financial informations and elicit factors and weights from non- financial model for the development of credit scoring system for the fisherman. For this, I elicit factors being based on the existent valuation index, cases of other banks, fisheries specific characters and made use of AHP analysis method for the output of weight. As a property of non-financial model, I figured out the 1st property of industry risk, management risk, finance flexibility, significant level and operating risk and sub-properties thereof. Weight output for each factor index is performed through survey and AHP analysis and in these process Non-financial model is settled and shown.
Abstract
Recently the importance of risk measurement & management is gathering strength, but small-size enterprises is not beyond basic level. Especially in the credit scoring model for fisherman, concentration of grade is conspicuous and in some part of it reversal appearance of default rate is happening. At this time, development of new credit scoring model is required. The purpose of this treatise is to suggest model development methods using non-financial informations and elicit factors and weights from non- financial model for the development of credit scoring system for the fisherman. For this, I elicit factors being based on the existent valuation index, cases of other banks, fisheries specific characters and made use of AHP analysis method for the output of weight. As a property of non-financial model, I figured out the 1st property of industry risk, management risk, finance flexibility, significant level and operating risk and sub-properties thereof. Weight output for each factor index is performed through survey and AHP analysis and in these process Non-financial model is settled and shown.
참고문헌 (16)
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