Credit Risk Management Performance Evaluation Based On The Weighted Fuzzy Logic Business

Credit is the basis of the modern market economy. Especially with the increasingcompetition between enterprises, more and more companies gain competitiveadvantage, increase sales and market share by providing buyer’s credit. This kind ofcredit transactions brings benefit to the enterprise. However, it also let companies facecredit risk from the customer yet. In addition, our market system is imperfect, and thecredit order is also quite chaotic, and the level of enterprise credit management is low,so that enterprise credit risk problems such as accounts receivable exceeding the timelimit, the delay in payment, bad debt, and bad debts have become increasinglyprominent. Faced with these problems, although we have increased awareness ofcredit, and credit management also gained popularity, but the level of corporate creditrisk management is generally low, and the results of credit management were less thanideal, the key prominent problem among which is that there is no appropriateevaluation of corporate credit risk management performance. Corporate credit riskmanagement performance evaluation assesses and reflects work quality and efficiencyof the whole cycle of corporate credit, but the co-ordination between variousdepartments of the enterprise is often not positive in reality, and the performanceevaluation of the credit risk management is limited to receivable management,evaluation criteria and methods of credit risk management performance are notscientific.Chinese scholars in corporate credit risk management research mainly focus oncredit risk identification and measurement, with few researches on corporate creditrisk management performance evaluation.Therefore, absorbing domestic and foreignrelevant theoretical achievements and practical experience, this thesis researches oncorporate credit risk management performance evaluation.First of all, starting from the concept of credit risk management, this paperanalyzes the research status at home and abroad, and briefly introduces the relevanttheory of credit risk management and fuzzy mathematics. Secondly, this paper analyzes the factors affecting the performance of corporate credit risk management,and builds the index system for performance evaluation of corporate credit riskmanagement from four dimensions，i.e. finance, customer, internal processes, learningand growth, and determines the weights of indicators by the Delphi method. Again, onthe basis of the evaluation index system, this thesis builds the performance evaluationmodel of enterprise credit risk management by the weighted fuzzy logic method, andevaluates the credit risk management performance level of enterprise. Finally, takingthe DL as an example, this paper verifies the feasibility and validity of the model.