Research On China's Business Credit Evaluation System From The Perspective Of Regulation

At present,China is in a critical period of transformation of the economic development model.Pressure and challenges coexist,economic growth is relatively slow,and new businesses and new economies are developing rapidly.It is imperative to promote high-quality economic development,especially the construction of a social integrity system.It plays a key role in promoting high-quality development and is an important factor for the healthy and sustainable development of the economy.Although the current social credit system construction pattern is gradually taking shape,the high incidence of dishonesty in the social and economic fields has not been fundamentally curbed.With the rapid progress of economic transformation,the existing regulatory system has not been followed up and improved.As a result,the cost of violations is low,and the punishment is limited.In many areas,untrustworthy behaviors of market entities often occur.It is urgent to fundamentally solve the problems exposed in these developments,especially debt arrears,low contract performance,tax evasion,and false financial information.The serious dishonesty of lack of integrity and trustworthiness,the lack of these business credits has become a bottleneck restricting economic development and transformation.With a new period of credit regulation began.Promoting fair competition through fair regulation,focusing on the standardization of credit regulation and the fundamental policy of maintaining market economic order,the implementation of full regulation of enterprises,credit classification and classification,accurate support of big data technology,and multiple cogovernance are qualitative changes in regulation methods.Innovation and upgrading to achieve more scientific market regulation.It is conducive for the regulatory authorities to concentrate their efforts to fundamentally solve the problem of corporate dishonesty and violations,thereby improving the efficiency of regulation and further reducing the cost of administrative regulation;conducive to protecting the interests of trustworthy and law-abiding enterprises,and obtaining the system in a fair market environment The dividend of reform;it is conducive to motivate more enterprises to let go of their burdens,carry out business activities boldly,form a good market credit environment,and fully stimulate the vitality of market players.However,it cannot be ignored that credit regulation is still in its infancy,and continuous research is needed on how to form an innovative framework for the credit system,regulatory methods,and new technologies to adapt to this change brought about by credit regulation.It is against this background that this article conducts a systematic study on how to build a corporate business credit evaluation system from a regulatory perspective.Based on credit supervision,using big data-related technologies,this article analyzes the necessity and feasibility of integrating credit supervision ideas into corporate business credit evaluation.It can form an effective method for corporate business credit evaluation,thereby providing a scientific basis for improving the credit supervision system,maintaining fair competition in the market,and reducing market transaction costs.Specifically,this article focuses on the following five parts:First,it focuses on the supervision system of my country's business credit.Discuss the current situation of business credit supervision of Chinese enterprises around the policy environment,supervisory bodies,supervision methods and supervision tools of business credit supervision,find out the key factors restricting business credit supervision,and analyze the mechanism of business credit generation of Chinese enterprises from the perspective of supervision,Discusses in detail the changes and new connotations of corporate business processes,corporate business credit needs and corporate business credit supervision under the credit supervision environment,and on this basis,puts forward the main ideas for the construction of corporate business credit evaluation system under the supervision perspective,forming an enterprise The overall structure of business credit evaluation,evaluation process and evaluation index system under the integration of multi-source data.Second,build a knowledge map of credit supervision.The formulation of new credit supervision policies and corporate commercial credit evaluation rely on big data resources.How to effectively use data resources has become the key.As a relatively mature and advanced means,knowledge graphs just meet this demand.By discussing the essence of the credit supervision knowledge graph,propose the construction system and method of the enterprise business credit supervision knowledge graph,draw accurate portraits of market entities,visually express the hidden relationships between corporate stakeholders,and intelligently discover and identify untrustworthy behaviors.Realize precise supervision of corporate business credit.Third,build an early warning model for corporate business credit risks.Construct a semisupervised classification model based on Bagging ensemble learning,train the classifier through a small amount of labeled data and a large amount of unlabeled data,and obtain an early warning model of corporate business credit risk suitable for the credit supervision environment,and based on the credit supervision department Empirical analysis is performed on the sample data set to verify the effectiveness of the model.Fourth,build a corporate business credit rating evaluation model.Aiming at the actual situation under the credit supervision mechanism,this paper constructs a corporate business credit evaluation model that integrates improved fuzzy comprehensive evaluation methods and dynamic clustering analysis methods,elaborates the corporate business credit rating evaluation process and specific implementation steps,and conducts an empirical analysis.Taking the real companies involved in the work permit business of the Ministry of Science and Technology as the sample data,50 representative sample companies are selected for empirical analysis,and the types of companies are divided through dynamic cluster analysis and validity index testing,and then used to improve the fuzzy comprehensive evaluation The method is used to calculate the corporate credit evaluation value to obtain the credit rating of each sample enterprise,and the results are demonstrated and analyzed.Fifth,based on the four aspects of corporate business credit collection mechanism,credit supervision innovation mechanism,new technology application of business credit evaluation,and business credit supervision platform construction under the supervision perspective,specific countermeasures and measures are given for the construction of corporate business credit evaluation system from the supervision perspective.Suggest.In short,this article systematically expounds the new connotations of corporate business credit evaluation conferred by credit supervision,highlights the necessity of government intervention,and fully discusses the mechanism of corporate business credit generation from the regulatory perspective,and discusses corporate business credit from the regulatory perspective.In-depth research is carried out on the credit evaluation system,and targeted improvement countermeasures and suggestions are put forward based on the research conclusions.The main contributions of the paper are summarized as follows:First,integrate the ideas of credit supervision into the methods of corporate business credit evaluation,highlight the perspective of supervision,conduct in-depth discussions on the business credit status of Chinese enterprises,credit issues in various links and influencing factors,and discuss the background of credit supervision Underlying,changes in the business process,credit requirements,and the forms of credit risk faced by the enterprise and the changes in credit risk control during the entire process before,during and after the event.Second,this article focuses on the idea of diversification throughout,and proposes the multi-dimensional acquisition of overall credit information.Based on the acquisition of corporate transaction data,it combines real regulatory data and evaluation feedback data to form multiple data sources for administrative supervision.Analyze the content of each link and the key nodes of the implementation of market transactions,evaluation and feedback.Starting from the concept of broad business credit,incorporating government supervision into the scope of business activities,and analyzing the credit needs and content of each link,finding influencing factors and mechanisms,and forming a business credit that is suitable for the entire process of multi-transaction nodes before,during and after the event Evaluation system.The data sources collected by real administrative supervision departments are used as samples for empirical verification.The innovative attempt combines the governance theory based on information economics and social co-governance and business credit evaluation theory based on information asymmetry.Solve problems in reality.Third,try to use the knowledge graph technology to construct a credit supervision knowledge graph,establish a credit behavior identification model,a Bagging semi-supervised risk early warning model,and an improved unsupervised credit rating evaluation model to discover complex relationships,identify untrustworthy behavior,credit risk early warning,and credit The organic integration of grade evaluation has greatly enriched the business credit evaluation system of enterprises.It also responded to the central idea that business credit evaluation should be engaged in the pre-process,covering the whole process during and after the event,and solved the problem of corporate business credit.To assess the problem of insufficient labels in basic data,the innovation and effective use of corporate business credit evaluation methods have been realized.