Research And Implementation On The Enterprise Credit Evaluation Model

Social credit system is important in the market economy system. Currently, thecommunity commercial fraud, selling fake goods, illegal fund-raising and otherphenomena are repeated. The root cause of these social credit problems are corporatecredit. Therefore, scientific, rational, fair and authoritative corporate credit ratingtechnology is the current critical task.This paper studies the domestic and international experience in corporate creditevaluation techniques, and builds a platform for corporate credit rating. The platformuses a hierarchical design, which provides credit ratings, credit statistics and creditfeedbacks. It is a very comprehensive platform. In order to achieve the corporate creditrating, this paper combines the national credit standard indicators and builds thecorporate credit index system. The paper also builds a corporate credit evaluation model,the model based on cycle model, using a fuzzy neural network algorithm as the mainalgorithm and using a hybrid optimization technique to optimize the results. The modelis applied to corporate credit evaluation platform, greatly improves the efficiency andaccuracy of the credit rating.Credit rating platform achieved by this paper has been successfully integrated intothe enterprise credit information system in Xi’an, the system has been put into usingofficially, the system is stable and people say very well.