Title: A novel rural microcredit decision model and solving via binary differential evolution algorithm

Authors: Jiali Lin; Jiachen Li; Dazhi Jiang; Kangshun Li

Addresses: Business School, Shantou University, Guangdong, China ' Business School, Shantou University, Guangdong, China ' Department of Computer Science, Shantou University, Guangdong, China ' College of Mathematics and Informatics, South China Agricultural University, Guangdong, China

Abstract: Generally, as an economic means of lifting people out of poverty, microcredit has been accepted as an effective method for empowering both individuals and communities. However, risk control is still a core part of the implementation of agriculture-related loans business for microcredit companies. In this paper, a rural microcredit decision model is presented based on maximising the profit while minimising the risk. Then, a binary differential evolution algorithm is applied to solve the decision model. The result shows that the proposed method and model are scientific and easy to operate, which can also provide a referential solution for the decision management in microcredit companies.

Keywords: risk control; microcredit; decision model; binary differential evolution; BDE.

DOI: 10.1504/IJCSE.2019.098536

International Journal of Computational Science and Engineering, 2019 Vol.18 No.3, pp.252 - 260

Received: 21 Oct 2015
Accepted: 27 Aug 2016

Published online: 12 Mar 2019 *

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