微型电脑应用

中小微企业在缓解社会就业压力上发挥着重要作用。由于企业规模相对较小，缺少抵押资产，在银行贷款融资方面存在诸多困难。因此，构建企业信贷风险等级模型、信贷量化风险逻辑回归模型、信贷额度回归模型以及利率回归模型。选取具体实例，利用相关数据，针对具体企业依据上述模型确定是否放贷及贷款额度、利率优惠、期限等。

Micro-small and medium-sized enterprises play important roles in relieving social employment pressure. Because of the relatively small scale of enterprises and lack of mortgage assets, there are many difficulties in banking loan. Therefore, a credit risk rating model, a logistic regression model of credit quantitative risk, a credit line regression model and an interest rate regression model are constructed. Taking the concrete example, using the relevant data, a specific enterprise determines whether to lend or not, the loan amount, the interest rate preferential and the term according to the above model.