Research On Credit Evaluation System Of Construction Enterprise Based On Construction Guarantee

Project guarantee and bond system plays an important role in the field of construction engineering,guarantee can effectively alleviate the information asymmetry in the construction project contract market,and improve the efficiency and credit level of the construction market.China’s engineering guarantee system started late,guarantee system development is not perfect,in the construction industry,there are many practical application problems.In order to avoid this risk,it is necessary for the guarantee enterprise to improve its credit evaluation ability when the construction enterprise has more dishonest behavior.This article takes the guarantee company as the pointcut,studies the construction enterprise credit appraisal question,through constructs the scientific and reasonable credit appraisal system chooses the credit condition good construction enterprise,guards against the guarantee risk,reduces the guarantee business compensatory rate and the loss rate,guides the guarantee enterprise and the guarantee system to develop better.First of all,the establishment of a credit evaluation index system.By summarizing the content of government credit evaluation of construction enterprises,the paper analyzes the difference between the government and engineering guarantee enterprises on the content of credit evaluation of construction enterprises.Based on the literature analysis and On-the-spot investigation,the evaluation elements of the construction enterprise Credit evaluation are determined: basic situation,rewards and punishments record,financial situation,credit situation,innovation ability and social responsibility.On this basis,following the principle of index setting,the paper draws up the index system of credit evaluation of construction enterprises,and through the expert opinion survey results,the index system is optimized by two rounds,and the final index system contains 6 first-level indicators,two-level index 22,and three-level index 10.Secondly,the paper uses fuzzy analytic hierarchy process to construct the credit evaluation model.By investigating the importance degree of the experts,collecting and analyzing the data,using the analytic hierarchy process to calculate the weights of each index,the conclusions are as follows:(1)in the aspect of the factor of credit evaluation,the credit situation of the enterprise is the most influential to the credibility record of the enterprise in the past.The financial situation of enterprises and the influence of the basic situation of enterprises are the second;(2)in the level of credit evaluation indicators,the first three indicators of corporate credit influence are performance integrity,quality integrity and enterprise qualification.Then the fuzzy comprehensive evaluation method is used to establish the credit evaluation model of the construction enterprise,and the relationship between the credit evaluation result and the guarantee measure is given.Finally,taking three construction enterprises as examples,this paper analyzes the credit of construction enterprises with the evaluation model,and verifies the feasibility and effectiveness of the evaluation model.