Zhang Ruixin, Ma Le, and  Yang Ying. The loan cases of private enterprises based on the spatial econometric model. Dynamic Systems and Applications 29 (2020) No. 4, 1198 – 1212

https://doi.org/10.46719/dsa202029414

ABSTRACT.
Private enterprise is an important pillar of China's economy. How to effectively reduce the risk of private enterprise in the process of lending is very important to improve the overall economic strength of China. Based on this, this paper first analyzes the necessity of private enterprise loan case study, and briefly summarizes the application of intelligent algorithm in private enterprise loan case study; secondly, it evaluates the practicability of private enterprise loan case study based on spatial econometric model through experiments, and queries the relevant process of enterprise loan case with abnormal output; finally, it arranges many cases. This paper analyzes the actual effect of forming the risk control model in the process of private enterprise lending, and puts forward the corresponding correction suggestions. Finally, the results confirm the feasibility of spatial econometric model in the analysis of private enterprise lending cases, which has important reference significance for improving the risk control effect of private enterprise lending cases.

Keywords: Keywords enterprise loan case; feature optimization algorithm; spatial econometric model;