Research On Suzhou S Enterprise Credit Platform

In recent years,along with rapid economic growth in China,economic system imperfections have been revealing themselves,among which,information asymmetry appears to be the most prominent.Suzhou Government has established a credit platform for local enterprises against this,which enabled an integration of information concerning government agencies and public utility payment units.It started with the establishment of credit bureaus to attend to market demand for information service.Based on existing theories concerning social credit system,information asymmetry,as well as credit risk measurement and management,this thesis probes into current situations of the source,collection and processing of data on the enterprise credit platform,intending to further analyze its operation and advantages.By means of micro-and-macro analysis,the thesis has identified several significant problems related to the platform,including singled-sourced data,imperfection in the function of credit scoring,and superficial cooperation with commercial banks.Lastly,the thesis also probes into causes leading to these defects and suggests the platform should further grasp data resources,perfect the scoring function of corporation credit,and boost deeper cooperation with commercial banks to improve its competitiveness,especially against such a context of government's strong support.