Optimization Of Credit Evaluation System For Tobacco Retail Enterprises

As the sales terminal of the tobacco industry,the tobacco retail enterprise is the direct source of the tobacco companies's profit.Its construction and management are directly related to the interests of the customers,the core competitiveness of the tobacco enterprises and even the share of the international market.Facing the increasingly urgent financing needs of tobacco retail enterprises,tobacco companies has formally provided financing support to tobacco retail enterprises from 2016.At present,relevant products have made certain achievements in alleviating the financial pressure of tobacco retail enterprises and speeding up the circulation of funds during the period of smoking peak and valley.However,the practical process has found that there are many unreasonable and imperfect contents in the credit evaluation system of the tobacco retail enterprises,which have affected the quality and efficiency of the investment of credit funds.This paper uses literature analysis,analytic hierarchy process,K-means clustering algorithm and empirical analysis to improve the credit evaluation system of the existing tobacco retail enterprises,and verifies the effect of the credit evaluation system through the actual business data.Through the study,the main conclusions of this paper are as follows:(1)Considering the "personal situation of owners" of tobacco retail enterprises,"operating environment","operating environment","potential value" and "historical credit situation",the selection of credit evaluation indexes can be more comprehensive.(2)The application of AHP makes the determination of weights of indicators more objective and accurate.(3)Using statistics related knowledge and tools can make credit evaluation more scientific.The innovation of this article lies in:First,make the index system of tobacco retail enterprises credit evaluation more reasonable.The optimized evaluation system selects 24 evaluation indexes which can fully characterize the credit situation of tobacco retail enterprises from 5 aspects of individual situation,management situation,operating environment,development potential and historical credit situation.The index selection is more systematic and comprehensive,which solves the problems of too few evaluation indexes and incomplete coverage of the existing credit evaluation system.Second,optimize the overall design of the credit evaluation system of tobacco retail enterprises.The optimization is mainly embodied in two aspects.On the one hand,The analytic hierarchy process is used to make the weight of the credit evaluation index more objective.,which solves the problem that the weight of the index depends entirely on the subjective judgment of the experts in the existing evaluation system;on the other hand,it optimizes the design of evaluation results.Referring to the setting rules of the evaluation result grade in standard&Poor's,the credit evaluation system is more finely set for evaluation classification;the K-means clustering algorithm is used to make the final grading standard more scientific,reducing the previous deviations that have been entirely dependent on human judgment.