International Journal of Industrial and Business Management


The Quantitative Analysis and Decision-making of MSMEs’ Credit Risk

Research Article of International Journal of Industrial and Business Management The Quantitative Analysis and Decision-making of MSMEs’ Credit Risk Xiaorui Tao1*, Junzhe Zhao1, Jianying Xu1, Keyue Wang1 1College of Economics & Management, China Three Gorges University, Yichang, 443002, China. In this study, we focused on the quantitative analysis and decision-making of credit risk of the Micro, Small and Medium Enterprises (MSMEs) from the perspective of bank. Based on the data of 123 MSMEs, we extracted and processed information from the original data with theoretical analysis and feature engineering, and established an entropy weight-TOPSIS model to get the credit risk index of each MSME. Meanwhile, the credit strategy optimization model was constructed, and the DE algorithm was used to solve the credit strategy scheme for bank to each MSME. According to the relationship between the total annual credit of bank, interest rate and expected profit, we analyzed the partial sensitivity of the model and explored the maximum profitability of the bank and finally gave helpful suggestions. Our results have guiding significance for banks to manage and make decisions on the credit risk of MSMEs. Keywords: Credit risk; MSMEs; Entropy weight-TOPSIS model; Credit strategy optimization model; DE algorithm ...

The Application of Data Mining in Payroll Distribution

Research Article of International Journal of Industrial and Business Management The Application of Data Mining in Payroll Distribution Zhong Zheng1*, Lingli Huang2, Tianlong Wang3, Gang Wang4, Wenjie Liu5 1College of Electrical Engineering & New Energy, China Three Gorges University, Yichang, 443002, China. 2College of Science, China Three Gorges University, Yichang, 443002, China. 3College of Civil Engineering & Architecture, China Three Gorges University, Yichang, 443002, China. 4College of Mechanical & Power Engineering, China Three Gorges University, Yichang, 443002, China. 5College of Foreign languages, China Three Gorges University, Yichang, 443002, China This paper studies the application of data mining in total wage distribution. The wage distribution model based on entropy method and analytic hierarchy process is established. Taking a state-owned enterprise as an example, the data was preprocessed with the linear equation fitting method. Entropy method was used to determine the weight of the influencing factors of wage distribution, and the first 8 factors were selected as the main influencing factors. The analytic hierarchy process (AHP) was used to calculate the weight of contract worker's salary and contract employees' salary as 0.342 and 0.658, respectively. On this basis, the total wage distribution. Compare and analyze the established distribution plan with the original distribution plan, and put forward improvement Suggestions to the original distribution plan: should increase the proportion of contract labor. Keywords: The unitary linear equation fitting; Entropy method; AHP ...

The Upgrading of Foreign Trade Industry in Jiangsu Province- Based on the Perspective of Global Value Chain

Research Article of International Journal of Industrial and Business Management The Upgrading of Foreign Trade Industry in Jiangsu Province- Based on the Perspective of Global Value Chain Jie Liu, Kang Jin* School of Marketing and Logistics Management, Nanjing University of Finance and Economics, Nanjing 210023, China. Based on the global value chain perspective, this study carried out a comprehensive analysis of foreign trade industry in Jiangsu province from four dimensions, including contribution rate of foreign trade industry to GDP, value chain division, value chain dependency and value chain links. Research showed that the four types of industry upgrades (processes, products, functions, chains) could be realized by integrating "Internet +" from the perspective of value chain. Therefore, we planned three proposals to promote the upgrading of Jiangsu foreign trade industry: Integrate and promote the value chain, merge the internet technology; extend the value chain, build Internet platform; reconstruct the value chain and optimize the trade process. Keywords: Global value chain; Jiangsu foreign trade; Industrial upgrading ...

Logistics Service Supply Chain service quality inspection results contract coordination under information asymmetry

Research Article of International Journal of Industrial and Business Management Logistics Service Supply Chain service quality inspection results contract coordination under information asymmetry Tao Dai Institute of Logistics Science & Engineering, Shanghai Maritime University, Shanghai 201306, China. Aiming at the two-level service supply chain, which is dominated by logistics service provider (LS) and logistics service Platform operator (LP), it is faced with the problem of uncertain market demand and asymmetric information of logistics capacity service failure rate. Under the income distribution mode of LS and LP income sharing, this thesis uses the Stackelberg game principle to propose a cost-sharing compensation contract based on the result of capacity service quality test to coordinate the supply chain. The results show that the compensation contract of cost allocation can effectively solve the problem of information asymmetry and realize the growth of supply chain income. However, the overall supply chain income has not been maximized due to the inability to achieve the simultaneous coordination of LP's effort level and capacity supply decision. Keywords: Information asymmetry; Quality testing; Capacity service failure rate; Compensation contract; Level of effort ...

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International Journal of Industrial and Business Management

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