The Credit Risk Assessment Model of Internet Supply Chain Finance: Multi-Criteria Decision-Making Model with the Principle of Variable Weight

Abstract

The characteristics of the financing model are firstly analyzed when the e- commerce enterprises participate in the supply chain finance. Internet supply chain finance models are divided into three categories with the standard of whether the electronic commerce enterprises provide funds for small and medium enterprises instead of banks. And then we further study the financing process and the functions of the e-commerce platform with specific examples. Finally, combined with the characteristics of the supply chain finance model, we set up a small and medium enterprises credit evaluation model based on the principle of variable weight with its dynamic data. At the same time, a multi-time points and multi-indicators decision-making method based on the principle of variable weight is proposed and a specific example is presented. In this paper, the multi-criteria decision-making model with the principle of variable weight has been used two times. At last, a typical case has been analyzed based on this model with a higher accuracy rate of credit risk assessment.