The Risk Assessment with Fuzzy Reasoning

Credit risk assessment can help lender to decrease the financial risk and get more profit, there are many credit assessment methods. The paper introduces three kinds of credit assessment methods: expert method, the financial ratio synthesis analytic method and RAROC (risk-adjusted return on capital). The conclusion of credit assessment may be different with different methods, to resolve the question, we put forward a method based on uncertain fuzzy reasoning to synthesize credit assessment of different methods, and the method can get more credible credit assessment. The paper expands how to apply fuzzy reasoning with an example. With fuzzy reasoning, the conclusions of different methods can be fused, and the credible conclusion can be drawn finally.