Aлгоритми за процену квалитативних и квантитативних ризика кредитирања малих и средњих предузећа засновани на фази рачуну
Sažetak
Данас кризни услови у привреди и финансијама захтевају квалитетну процену ризика. У чланку аутори предлажу два алгоритма за процену ризика кредитирања пројеката (РКП) за мала и средња предузећа. За процену квалитативних РКП-а, предложили смо употребу хијерархијског система критеријума, у коме се важност критеријума описује коришћењем Сугено фази мере, а генерализована процена квалитативног ризика се израчунава коришћењем Сугено фази интеграла. Да бисмо проценили квантитативне РКП, предложили смо да се користе карактеристике фази бројева који описују критеријуме ефективности пројекта и имају произвољни облик функције припадности. Поред тога, за описивање квантитативних ризика, предложили смо да се користи функција ризика фази броја, која одражава не само величину могућих губитака, већ и могућност њиховог настанка. Ово вам омогућава да свеобухватно и објективно процените ниво ризика. Ове алгоритме смо демонстрирали и дискутовали на примеру припреме података за доношење одлуке о кредитирању пројекта за производњу кукурузног сирупа у Украјини.
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