Credit Risk Intelligent Assessment Model Based on Machine Learning

In today's Chinese economic system, market system, and development goals, MSMEs play an essential role. The availability of capital is a necessary condition for the development of MSMEs. However, in China, MSMEs still cannot effectively eliminate the development dilemma that financing is difficult and expensive. The deep-seated reason lies in the imperfect credit evaluation system of the banking industry for MSMEs. The purpose of this paper is to establish a mathematical model for credit risk evaluation of MSMEs and to establish a new bank credit evaluation strategy to support and back up MSMEs of different sizes accurately.