Research On The Construction Of Enterprise Credit System In BB City

Chen Yulu,deputy governor of the central bank,said at the press conference of the press conference of the Second Session of the 13 th National People’s Congress that the establishment of a sound social credit system is an important part of the next structural reform of the financial supply side.Credit plays an increasingly important role in the current era.The role of accelerating the construction of the credit system is a top priority.Under the general trend of “the house is used for living,not for speculation”,the real estate market is in a down cycle,and the sales area of commercial housing is decreasing,but the sales amount is still in an upward trend.Under such an environment,the government departments should proceed from the overall goal of the construction of the social credit system,and promote the construction of the credit system of the real estate industry by promoting the construction of the credit system of the pillar industries,enhance the credit rating of the real estate industry,and enhance the market competition of the real estate industry.Force,and gradually guide all walks of life into the healthy development track of credit strong enterprises.This paper first expounds the research background and research significance,and summarizes the domestic and foreign literatures in related fields.The foreign literatures are based on the connotation of credit information,the choice of credit information model,credit scores and big data credits,and the domestic credit system and real estate sign.The credit system and the credit evaluation system of real estate enterprises are discussed.Secondly,the related concepts and information asymmetry theory related to the source of credit information,transaction cost theory and the three-dimensional credit evaluation theory based on the selection of data analysis indicators are briefly introduced.This paper analyzes the general situation of the construction of the credit information system of BB real estate enterprises,and uses the inductive system framework to elaborate from three aspects: institutional system,supervision system and guarantee system.On the basis of the general situation,the problems existing in the construction of the credit information system of real estate enterprises in BB City are put forward,and the problems are analyzed from the perspectives of data analysis and comparative analysis.Data analysis By constructing the BB city real estate development enterprise credit scoring model,four first-level indicators and 16 second-level indicators were constructed.The government public credit information platform data,the DMC coordinated relevant department data and the central bank credit information system data were collected.For the BB City People’s Bank experts to score data,using the entropy method to determine the weight of the industry credit score data analysis,the results show that: BB City 40 large and medium-sized real estate enterprises credit comprehensive score results are basically between 40-70 points,the overall credit situation general.The comparative analysis compares the similarities and differences of the three types of corporate credit reporting models in the world and the construction of the credit reporting system of real estate enterprises in Chongqing.On this basis,the conclusion is drawn that the “government + market” credit model is selected and the construction of the real estate enterprise credit information system is gradually implemented.In view of the current problems in the construction of the credit information system of BB real estate enterprises,the paper puts forward the policy recommendations for the construction of the BB city enterprise credit information system from the aspects of enterprise credit reporting agencies,supervision and security system construction,and is the credit reporting system for other enterprises in China.Building a city that has just started provides a certain reference and reference,and provides theoretical ideas from government management and industry development.