Credit Decision of Micro Small and Medium Enterprises

In this paper, the credit strategies of micro, small and medium-sized enterprises are studied under the title of 2020 China Higher Education Association Cup National College Students Mathematical Contest in Modeling C. In order to solve the problem of bank credit to small and medium-sized enterprises, the main consideration is the credit record of enterprises, so as to produce the corresponding credit strategy. For different problems, BP (Back Propagation) neural network model and GBDT (Random Forest Gradient Boosting Decision Tree) algorithm are used to build mathematical models and get corresponding credit strategies. Maximize the efficiency of the bank.