Road Transport Enterprise Credit Evaluation Index System Study

In recent years, with rapid development of road transportation and continuous improvement of market economies, the road transportation enterprises have faced credit challenges; transportation market formalization encounter difficulties .Considered credit rating and the present features of road transportation enterprises; the article set up a indicator system of credit rating for the developmental level of road transportation enterprises, not only for better management, but also for obtaining enough external resources. The essay has important reference value to management agencies. There are five parts in this dissertation.Firstly, on the road transportation enterprises, road transportation market and the public, the article describes the significance of introduction credit rating to the field of road transportation. Then, the paper analyzes the present system of credit evaluation in the civil and overseas countries.Secondly, the article introduces definitions of credit and credit rating, analyzes its characters by comparison with relevant concepts. Furthermore, the article limits the range of road transport enterprises on credit rating, characteristics them on technology economies and current development, on basis of these; it describes the concept of credit rating for road transportation enterprises and implementation guidelines.Thirdly, the article makes a full detail of the lack of enterprise's credit, analyzes the internal cause and external cause. In addition, it compares advantages with disadvantages of qualification evaluation by management agencies and analyzes drawbacks on credit .It also demonstrates the necessities of using results of credit rating as important references to management agencies.Fourthly, the article proposes design principles and references for the indicator system of credit rating for road transportation enterprises and establishes the indicator system through such 5 aspects as the character of enterprise, the level of management, the capacity of operation, the capacity of paying back, the credit of performing.Finally, through the method of analytic hierarchy process, the article assert weight coefficient of the indicator system. On occasion of single sample, the paper rate road transportation enterprises according to credit condition, otherwise, it uses the method of hierarchical cluster analysis. Moreover, the essay applies the whole mode into practice to assess the credit condition for one road transportation enterprise.