Intelligent Prediction of Anti-risk Repayment Ability of Small and Medium-sized Enterprise Commercial Loan Data Based on Ant Colony Algorithm

Small and medium-sized enterprises are an indispensable part of my country's national economic structure. They are of great significance to the stable and sustainable development of my country's economy, and are gradually becoming the main force in the development of social productive forces. In recent years, many high-tech SMEs have risen rapidly, which has played a role in optimizing my country's economic structure. However, small and medium-sized enterprises have weak financial strength, poor anti-risk ability, and low creditworthiness. This makes banks more inclined to invest funds in large enterprises, and are not very enthusiastic about lending to small and medium-sized enterprises.