To Improve The Evaluation Method Of Cloud Cg In The Application Of The Enterprise Credit Risk Assessment

Enterprise group is the senior stage of enterprises’ development, among which hasthe characters of large scale, trans-region, cross-industry and diversified-operation. Itconstantly develops at an unconventional high speed and has a significant influence inthe world economy. The foreign enterprise group has taken place in the credit riskshows that it involved in a large amount of industries, a great deal of capital and also awide spread, which not only has shown enormous effect on the bank lending, but alsoon the country and even the global economy. As enterprise group has extraordinaryinfluence on economic development, the credit risk of the enterprise group has becomethe focus of the world economy.Enterprise group has become the crucial role as it has shown great effect in thedevelopment of capitalization and globalization in Chinese market economy. With therapid growth of economy, enterprise group needs for the capital has become strongerand stronger. From the point of view of operating costs, lending to the enterprise groupcan bring huge scale returns to the banks, therefore, enterprise group has become theobjects of banks that are eager to lend to. Recently, some domestic enterprise groupshave a credit risk successively, which made a great loss to banks, and also exposed theinternal problems. The distortion of financial information, corporate governancemechanisms exist in name, the complex incidence relation, frequent and hidden relatedtransactions have attracted strong attention of banks, regulators and the social.Therefore, research on enterprise group’s credit risk assessment, not only is the subjectof enterprise group, financial management, corporate governance, internal control needto solve, but also is the focus of bank risk management, which has significanttheoretical value and practical importance.Enterprise group’s credit risk assessment lies in the choice of the indicator systemand assessment methods. Based on the organizational structure of the enterprise group,mode of operation, the causes and characteristics of credit risk, and with the theoreticalresults of finance, management, fuzzy mathematics, this article researched on theenterprise group’s credit risk assessment is carried out as follows. This article firstly analysed the sources, causes and manifestations of the credit riskof the enterprise group. According to the characteristics of the enterprise group,qualitative and quantitative indicators which reflect the level of corporate governance,the related transactions and financial risk are combined, they are put in the index systemas the credit risk of the enterprise group.Second, this article also analyzed the index processing and found out DEMATELapproach is the proper method to deal with complex situations, of which the method canget a great influence on the assessment results, and then carried out the detaileddescription of important indicators.Third, on the basis of traditional model of membership cloud gravity center(MCGC) and drawing on the idea of TOPSIS method, this article corrected the MCGCused for the credit risk assessment of enterprise group.Finally, with the improved MCGC, this article did an empirical analysis of48-listed enterprise groups. Through the sort of the credit risk rating, we can come upwith the conclusion that the result of evaluation is quite accurate. It shows that theresearch on the selected indicators, the determination of the weights, the improvementof assessment methods and use has the scientific rationality and operability, hopingprovides an effective reference to the banks to do the credit risk assessment.