To decide for the approval or rejection of a business loan application, banks are following a rating procedure. However, in many cases this procedure is not simply and properly structured. This may lead to unpleasant results so, for a long time, banks are struggling to find quite flexible and simple rating methods, widely applicable, easily comprehensible, and modifiable from their analysts. This study presents an empirical model of mass business rating with the use of multicriteria analysis (AHP method) and other techniques. Two main scenarios of a two‐stage evaluation procedure will be analysed that demonstrate its flexibility, stability, and simplicity. The performance of this method is measured for both presented scenarios showing its capability. Furthermore, this method saves time and sources while ensuring the quality of the produced results. The outcome will be a list of rated businesses which, depending on the score they succeed in each of the two scenarios, will be approved or rejected for a business loan.

中文翻译：

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使用多准则决策分析创建灵活的企业信用评级模型

为了决定批准还是拒绝商业贷款申请，银行正在遵循评级程序。但是，在许多情况下，此过程的结构并不简单且结构正确。这可能会导致令人不快的结果，因此，很长一段时间以来，银行一直在努力寻找非常灵活，简单的评级方法，这些方法广泛适用，易于理解并且可以由分析师进行修改。这项研究提出了使用多准则分析（AHP方法）和其他技术的大规模商业评级的经验模型。将分析两阶段评估程序的两个主要场景，以证明其灵活性，稳定性和简单性。在给出的两个场景中均对该方法的性能进行了测量，以显示其功能。此外，该方法节省了时间和资源，同时确保了所产生结果的质量。