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Artificial neural network algorithm has strong nonlinear mapping function. BP neural network algorithm is the representative of artificial neural network algorithm. Due to the relatively small scale of small, medium, and micro enterprises and lack of mortgage assets, the biggest market risk they usually face is credit risk. In order to avoid huge economic losses for banks, the impact of risk analysis on credit decision-making is the key. Therefore, the establishment of a scientific and complete credit risk assessment system has become the primary task. This paper mainly uses BP neural network algorithm to analyze the risk of small and medium-sized enterprises and solve the problem of credit decision-making. First, analyze the various influencing factors that cause credit risk, and layer the factors according to the degree of risk; secondly, use the fuzzy comprehensive evaluation method in mathematical modeling to rank each factor; then, use the fuzzy analytic hierarchy process to calculate the weight of each indicator factor as calculated by establishing the risk value function, using the function expression of the annual interest rate and the total credit formula to calculate the total credit, which solves the problem of the loan line of each enterprise, and use the optimal linear programming to give priority to the selection of the line and the interest rate. Enterprises: finally, for enterprises that do not have a credit rating, reasonable adjustments are made to the quota by establishing lending qualification expression, taking into account the impact of unexpected external factors, establishing an improved annual interest rate function, and achieving an optimized credit strategy through the establishment and solution of the model. The goal of optimizing credit strategy has been achieved.

Study on Risk Analysis and Decision-Making of Small- and Medium-Sized Enterprises on BP Neural Network Algorithm