Abstract：This article establishes an integrated credit decision optimization model based on the geometric Brownian motion theory, which takes discriminatory pricing, performance probability, demand shifting and the probability of business opportunities into account. The model also launches a new credit decision rule. Empirical results show that it is conducive to improve the estimation accuracy of total revenue by using the different risk premium standards, the probability of business opportunities and demand shifting of different credit ratings after choosing credit sale, which provide the date basis for choosing the timing of credit; The improved rule of credit opportunity selection provides a direct simple method to calculate the optimal time, which overcomes the limitations of the traditional comparison method.
孙庆文, 郭伟伟, 栾晓慧. 赊销最佳时机选择的集成式决策模型与方法[J]. 系统工程理论与实践, 2017, 37(1): 151-158.
SUN Qingwen, GUO Weiwei, LUAN Xiaohui. Integrated model and method of the credit sale decision based on choosing the optimal time. Systems Engineering - Theory & Practice, 2017, 37(1): 151-158.
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