Enterprise Credit Evaluation Model Based On Customer Loyalty And Applied Research

At present, the environment of corporate credit and the credit order is not optimistic in our economy and society. In some areas, there have been varying degrees of credit crisis. The dishonesty of corporate leads to market disorder and the waste of resources, which seriously affect the healthy and orderly development of national economy and society. The remediation of corporate dishonesty is urgently needed. There is increasing recognition in business credit in the important role of business development. Credit is not just a moral training, and should become a corporate code of conduct. And corporate credit is one of the core competitiveness of enterprises.With the increasingly intensified competition in the consumer market and the competition for the customer to pay the cost increase, enterprises must maintain long-term competitive advantage. We must fully understand the cultivation and maintenance of loyal customers which is an important strategy for winning the enterprise market. And good business credit can help companies achieve the goal to obtain customer loyalty.This paper argues that starting from the perspective of customer loyalty is a worthy research problems of business credit theory and practice. Results of research this point of view can help enterprises improve customer loyalty from their credit situation, and help enterprises to establish and develop competitive advantage to some extent.In this paper, customer loyalty is introduced into the corporate credit field by literature review and empirical analysis based methods. It discusses argues corporate credit management from the perspective of customer loyalty. This is combined with BP neural network and AHP, using AHP to determine the weight of each variable, which is the neural network input unit. The expert views of the importance of variables is hoped to put into the neural network to improve the decision-making model. On the other hand, according to the proportion of the original evaluation form of credit, another neural network model and the correct rate is produced, hoping to improve the correct of decision-making model, as a reference of the development of credit model for future research.From the conclusion it is founded that the combination of AHP and neural network model has high accuracy. When developing the credit evaluation model of BP neural network, we can use AHP as a basis for standardization of data. I believe there will be a good improvement of results.This paper argues that an important business object of good faith is the business of consumers, and consumers not in direct contact with enterprises in the large-scale. Integrity of the enterprise needs to pass through a number of carriers and pass the media in some way to the market, to be able to get a good market reputation. That accessing to customer trust is a two-way process of exchange and communication. Therefore, enterprises adhering to the principle of good faith need some carriers for their own credibility loaded on these carriers, to convey to consumers. This paper argues that these carriers in the modern are the honest of enterprise employees, the efficient and high quality of products and services, real and reliable advertising messages and product information, the delivery of product, the authenticity of enterprise information, the strength of corporate, integrity-based corporate culture and public image. This paper argues that companies can make use of these vectors to transfer corporate credit to customers, increasing customer trust in the relationship and their index in the hearts of the customers. It provides a theoretical basis credit for enterprises to increase customer loyalty by improving business credit.