Research On Customer Credit Risk Assessment Of Power Supply Company

In the process of the development of market economy in China.Credit and risk are in a market economy coexist two phenomena.The sustained and healthy development of market economy if they want to,you must learn to obey and perform a variety of economic relations between the credit,the enterprise risk to a minimum.Said at present,our country credit loss phenomenon in the economic life is very bad,Such as business,trade between the two sides do not comply with the contractual fraud and not timely pay off debt default economic phenomenon,such as the largely limits the use of the credit function,and a deteriorating credit environment result in an increase in the market transaction cost directly,serious impact on the market resource allocation function of the play.In the process of the development of market economy,improve market economy order,perfect the enterprise credit evaluation system,to ensure that all strictly abide by the credit relations and the continuous development of market economy,is a long-term arduous task.Recycling of charge of electricity of power supply company is can reclaim electricity,to ensure the normal power supply company can focus on long-term development tasks.But,with the power supply customers power consumption rising fast,coupled with environmental factors changes day by day,the power supply company will face the challenge of high risk of electricity recovery.By studying the electric power supply company in electricity recycling all kinds of problems,and improve its risk management level,prevent bad debt,bad debts and lack of unhealthy phenomenon,enhance the operating development capacity of the power supply company,is an urgent problem in the electric power supply company.This paper first clarifies the background and significance of the topic,reviews the history and development of the credit management research both at home and abroad,the domestic and foreign research results can be used for reference,the credit rating practice of the power supply industry can be used for reference,plus and engaged in years of power supply customer credit management authority in the communication of access to information,define the current power supply company credit,credit management and credit risk management of related meaning,at the same time,the power of the credit default in power supply main clients are undesirable phenomenon.Secondly based on the analysis of power supply customer credit rating index theory,study the target layer decomposition of basic situation,customer,the external environment for the customer,customer development prospect of three parts,the three policy makers more specific by the customer’s solvency,profitability,customer credibility,industry environment,government support,development capacity,industry risk seven sub indicators,build a relatively perfect power supply customer credit rating index system,and comprehensive study the specific elements of credit scoring system,to the study of power supply customer credit rating module has reference value to some extent.In model evaluation module,according to the power customer credit evaluation in our country at present development status,combined with the implementation of the model,based on the analytic hierarchy process(ahp)and fuzzy comprehensive evaluation method to evaluate model,and using relevant data of Lang fang power supply enterprise to evaluate the empirical model,in this paper,the results of the empirical analysis for the "good",and the present situation of the Lang fang power supply enterprise customer credit risks,which fully shows that the evaluation model is scientific and reasonable,the results for the power supply enterprise customer credit risks management has reference value to some extent.