The Research Of Enterprise Credit System Rebuilds Under By Supply Chain Finance

In this paper,we mainly demonstrate finance situation in china nowadays,and then we give major point that supply chain financial platform of Ping-An has be enhance with new technologies.As an example,we demonstrate background of platform,data resource and way to accumulate data,outcome of confirmation,comparative&analyses and discussion of result.After all,we give breakpoints of this article,limitation and way where we are focusing on.The target of this article,is that through supply chain as break point leading the way to rebuilt new enterprise credit system to serve company like Ping-an group who has all finance license plates,and who serves companies for loan,risk control and financial derivatives as entire life circle services provider.This paper mainly discusses the existing problems of credit system in China's domestic enterprises.First of all,the evaluation criteria are firm standard,and will not consider the location,area of subdivision enterprises or other factors.Secondly,most of the attributes in the evaluation standard lack quantitative criteria,and then personal standards will greatly affect data determination.Then,the coverage of the data items is obviously inadequate and limited by the professional worker.It is inevitable that a simple model should be used to evaluate the enterprise credit system by simply relying on human resources.After that,the timeliness of the data is very poor.The credit evaluation of the existing system for the enterprise is to verify the actual operating situation of the current enterprise by the bank's customer manager to the enterprise's location.The extreme phenomenon of high level leaders absconding with money,banks cannot be traced back.That will be the reason why bank prefer loans money to large state-owned enterprises,even the bank can have high interest rates to small or medium-sized enterprises.Because the cost of bank's human resource will be greatly improved,and risk control safety standards will be increased.Finally,the authenticity and reliability of the model data,the information asymmetry caused by the data fraud of single or minority enterprises and illegal publishing will greatly affect the evaluation of the credit of the banks or management institutions.This problem is actually the core issue of domestic enterprise credit mechanism in China.Even domestic listed companies will often burst out financial fraud news,so that banks or information management agencies will injured.The way of new financial solution we use in paper,is that we give a path for new financial economy system with new technology which includes block chair,big data,machine learning to solve problems.Problems are so many to solve with simple choices,such as conduct data of supply chain system and finance core system between different companies,verify items of account in different place at same time,risks management of finance product and derivatives.The aftermath of what article expect is to prove whether the target of this paper right or wrong with material such as accumulates of knowledge,skills,real data,logical model from Ping-an group and from former Shenzhen banks who is earliest company in china who research supply chain system,generate IT software and hardware to connect system and data between upstream units and downstream units,gather structured data in anyway,and with certain cases of multiple internet finance platform.With analyses,data and verifies,we give the conclusion that supply chain finance can rebuilds enterprise credit system,and can explores new path of finance product which can suit credit system and finance derivatives in China now and in future.When the outcome is predictable,Ping-an group which leading by president Ma will choose the way of enterprise transformation to create new ecosystem of financial economy in certain time in china.And then Ping-an Group will be more powerful company in the whole world than Baidu,Alibaba,Tencent and Jing-dong etc.The main conclusion of this paper is to verify the problems encountered by the current enterprise credit system,and to solve the problems that cannot be solved by the traditional-technology.At the same time,new technology can expand the range of data collection,complete the online processing,improve the real-time performance of the data,and reach the customer through the model.The credit system model can self-study(improve the accuracy of the model through real production data),and then can be rebuild credit system models for China.