A Study On Credit Evaluation System Based On Shared Bicycles

The combination of network technology,big data,cloud computing,and smart terminals has spawned the emergence of a sharing economy innovation model.sharing economy’s emergence has promoted the diversification of the use efficiency and the use of surplus products and resources,enabling consumers to enjoy the fruits of economic development.Since the development of the shared economy,it has continued to infiltrate all various industries and created a brand-new business model.In the field of travel sharing,the emergence of bicycles such as MOBIKE bicycles and OFO bicycles has brought the new model of shared bicycle travel to the public.In front of it,this combined "Internet +" sharing travel mode has overturned the traditional government-led public bicycle system in the past and has become a representative product of the contemporary "sharing economy." However,shared bicycles bring convenience to people,but they also expose the current credit problems in the shared industry.Therefore,on this basis,this article uses shared bicycle users and companies as research objects and establishes a corresponding credit evaluation system for each credit situation,which has certain theoretical and practical significance.Based on the theory of the existing scholars,this article uses the relevant empirical analysis methods to study the credit evaluation models of shared bicycle users and shared bicycle companies respectively.First,it elaborates on the sharing economy,the development of shared bicycles,and the problems faced by them.Secondly,we draw on the current mainstream credit evaluation model’s scoring method and index selection principle,design survey questionnaires and data collection,select relevant indicators and assign weights to shared bicycle users and enterprises,and finally establish a credit evaluation system for users and enterprises.Finally,for the credit issues of the shared bicycle industry,policy recommendations are provided from different perspectives,including government,enterprises,and users,so as to provide relevant regulatory measures for the development of the entire shared economy.This study mainly uses the AHP and entropy method to assign index weights.The construction of the user’s credit evaluation system is more dependent on the results of the questionnaire and subjective judgments.Therefore,the AHP method is used to calculate the weight of each indicator,and the credit rating standard of the shared bicycle user is finally obtained and randomly collected from the questionnaire.The feasibility of testing the model by drawing a credit rating on the user indicates that the user has excellent credit and no irregularities during riding.The bicycle rating system of the bicycle companies adopts the entropy method.According to the public data collected from the internet,the weight of each indicator is objectively calculated,and four representative bicycle-sharing companies selected as samples.The four bicycle companies conduct credit ratings separately to verify the rationality of the evaluation system...