如何避免微小企业信用风险,是商业银行放贷的一个重要内容,也是商业银行保证其良好收益的重要前提之一。笔者在分析影响微小企业信用等级主要因素的基础上,建立了一套基于FAHP-多指标隶属度转换算法,适用于对微小企业进行信用等级评价的模型,希望能为商业银行对微小企业信用等级评价提供决策参考。 How to avoid the credit risk of micro-enterprises is an important part of commercial banks’ lending. It is also one of the important preconditions for commercial banks to guarantee their good returns. Based on the analysis of the main factors that affect the credit rating of micro-enterprises, the author establishes a set of FAHP-MMI conversion algorithms, which is applicable to the micro-enterprise credit rating evaluation model, hoping for commercial banks to micro-credit rating Evaluation provides a decision reference.