Welcome to Scholar Publishing Group

International Journal of Neural Network, 2022, 3(4); doi: 10.38007/NN.2022.030405.

A Decision Management Model for Small and Medium-sized Enterprises Based on Artificial Neural Network


James Yong Liao

Corresponding Author:
James Yong Liao

Philippine Christian University, Philippine


The development of small and medium-sized enterprises (SaMSE) is related to the country's economic and social development. Most of our enterprises are SaMSE, which play an important role in the employment of urban population, foreign trade and technological innovation. Now, the main source of financing is commercial banks, but commercial banks are also worried about the financing of SMEs. The reason is that, on the one hand, the financial data and other information of SaMSE are not made public; Therefore, it is particularly important to improve the credit rating system for SMEs. The main purpose of this paper is to study the decision-making management model of SaMSE based on ANN. According to the characteristics of artificial neural network (ANN), this paper discusses the applicability and superiority of the ANN model in the credit risk assessment of commercial banks, and proposes a new idea for the development of the credit risk assessment system. The enterprise credit risk assessment model is implemented with matlab tools. Through the example of matlab network training, it is analyzed that the combination of rough set attribute reduction theory and NN method can improve the performance of NN credit evaluation model.


Artificial Neural Networks, Small and Medium Enterprises, Decision Management, Credit Risk

Cite This Paper

James Yong Liao. A Decision Management Model for Small and Medium-sized Enterprises Based on Artificial Neural Network. International Journal of Neural Network (2022), Vol. 3, Issue 4: 34-43. https://doi.org/10.38007/NN.2022.030405.


[1] Gruenbichler R, Klucka J, Haviernikova K, et al. Business Performance Management in SaMSE in the Slovak Republic: An Integrated Three-Phase-Framework for Implementation. Journal of Competitiveness, 2021, 13(1):42-58. https://doi.org/10.7441/joc.2021.01.03

[2] Hansen E B, Iftikhar N, Bgh S. Concept of easy-to-use versatile artificial intelligence in industrial small & medium-sized enterprises. Procedia Manufacturing, 2020, 51(7):1146-1152. https://doi.org/10.1016/j.promfg.2020.10.161

[3] Abbasi G A, Rahim N, Wu H, et al. Determinants of SME's Social Media Marketing Adoption: Competitive Industry as a Moderator:. SAGE Open, 2022, 12(1):95-110. https://doi.org/10.1177/21582440211067220

[4] Kachalov R M, Sleptsova Y A, Yan V S. Risk Assessment of Innovative Projects Implementation in Enterprises Using ANNs. Vestnik Volgogradskogo gosudarstvennogo universiteta Ekonomika, 2020, 21(4):171-181. https://doi.org/10.15688/ek.jvolsu.2019.4.17

[5] Susana E, Darsono J T, Mardianaandarwati. Implementation of the Empowerment Model For SaMSE Based On Regional Potentials And Market Oriented. IOSR Journal of Business and Management, 2020, 22(9):36-46.

[6] Tullio P D, Tarquinio L. The business model for SaMSE -a systematic literature review. International Journal of Globalisation and Small Business, 2021, 12(2):124–152. https://doi.org/10.1504/IJGSB.2021.114572

[7] Agha M H. Development of Strategic Entrepreneurship in Small and Medium-Sized Tourism Enterprises: The Role of Coopetition. Economics and Management, 2020, 26(9):1026-1042. https://doi.org/10.35854/1998-1627-2020-9-1026-1042

[8] Ravindran T, Fong B W. Lessons from COVID-19: Toward a Pandemic Readiness Audit Checklist for SaMSE. IEEE Engineering Management Review, 2020, 48(3):55-62. https://doi.org/10.1109/EMR.2020.3015488

[9] Al-Hanakta R, BC Illés, Dunay A, et al. The Effect of Innovation on SaMSE: A Bibliometric Analysis. Visegrad Journal on Bioeconomy and Sustainable Development, 2021, 10(1):35-50. https://doi.org/10.2478/vjbsd-2021-0008

[10] Villanueva-Jimenez L F, Vazquez-Lopez J A, Yanez-Mendiola J, et al. Decision-making system based on a Fuzzy Hierarchical Analysis Process and an ANN for Flow Shop machine scheduling model under uncertainty. IEEE Access, 2021, PP(99):1-1. https://doi.org/10.1109/ACCESS.2021.3099342

[11] Islam A, Wahab P, Latiff A. Annexing a Smart Sustainable Business Growth Model for SaMSE (SMEs). World Journal of Entrepreneurship Management and Sustainable Development, 2021, 18(2):1-24. https://doi.org/10.47556/J.WJEMSD.18.2.2022.2

[12] Lutfi M, Buntuang P, Kornelius Y, et al. The impact of social distancing policy on SaMSE (SMEs) in Indonesia. Problems and Perspectives in Management, 2020, 18(3):492-503. https://doi.org/10.21511/ppm.18(3).2020.40

[13] Sigdel B, Amponstira F. A Model of Corporate Social Responsibility, Firm Reputation, and Firm Performance in SaMSE in Kaski, Lamjung, and Gorkha District of Gandaki Province, Nepal. Open Journal of Business and Management, 2021, 09(5):2248-2260. https://doi.org/10.4236/ojbm.2021.95121

[14] Garg R. A Ranking Model for the Selection and Ranking of Commercial Off-the-Shelf Components. IEEE Transactions on Engineering Management, 2020, PP(99):1-9.

[15] Hwang H K, Yoon A Y, Kang H K, et al. Retail Electricity Pricing Strategy via an ANN-Based Demand Response Model of an Energy Storage System. IEEE Access, 2020, PP(99):1-1.

[16] Chupakova A O, Gudin S V, Khabibulin R S. Developing And Training Model Of Ann For Creating Decision Support Systems. Vestnik of Astrakhan State Technical University Series Management Computer Science and Informatics, 2020, 2020(3):61-73. https://doi.org/10.24143/2072-9502-2020-3-61-73

[17] Mudunuru V R, Skrzypek L A. A Comparison of ANN and Decision Trees with Logistic Regression as Classification Models for Breast Cancer Survival. International Journal of Mathematical, Engineering and Management Sciences, 2020, 5(6):1170-1190. https://doi.org/10.33889/IJMEMS.2020.5.6.089

[18] Rao A S, Kamath B S, Chowdhury S, et al. Use of ANN in Developing a Personality Prediction Model for Career Guidance: A Boon for Career Counselors. International Journal of Control and Automation, 2020, 13(4):391-400.