Study On Enterprise Credit Evaluation Under The Environment Of Internet Of Things

With the acceleration of the global economic integration process and the extensive use of Internet of Things technology,the importance of enterprise credit is growing.How to evaluate enterprise credit correctly became an urgent need for national government,the masses of the people and many credit enterprises.Scientific enterprise credit evaluation system can reflect the enterprise's credit standing correctly,At present,domestic and foreign scholars study the enterprise credit evaluation from a simple financial evaluation to the combination of financial and non-financial indicators,but the current credit evaluation system has not reached an agreement yet,the research on the Internet of things under the credit evaluation is less.Therefore,this paper is based on the purpose of improving the effectiveness of enterprise credit evaluation results and environment of Internet of things,from the view of the four of the balanced scorecard method to build enterprise credit evaluation system under the environment of the Internet of things,and select cases to test its validity.This paper uses standardized research and case study methods.In the first place,the background,meaning,methods and innovation of the paper are introduced.In the secondly place,some concepts of the basic theory like enterprise credit evaluation?Internet of things?Balanced scorecard and literature are introduced,which lay the foundation of the work in the following passage.In the thirdly place,this pager analyzes the present status of the enterprise credit evaluation and builds enterprise credit evaluation system under the environment of the Internet of things from the view of the four of the balanced scorecard method.At last,through case study,the enterprise credit evaluation system is applied to A Company,finally gets the credit evaluation score of A Company,and were compared with the original enterprise credit evaluation system,to highlight the validity of the credit score concluded by the new system.The main contributions of this paper are the following aspects:1.The paper analyzes the necessity of constructing enterprise credit evaluation system under the environment of Internet of Things.Through the comparative analysis of the current domestic and international credit evaluation system,it is found that the existing enterprise credit evaluation system has too much emphasis on financial indicators,focusing on the evaluation of debt repayment ability and the lack of uniform standards and so on.On this basis,the necessity of constructing enterprise credit evaluation system based on BSC is described.2.This paper constructs enterprise credit evaluation system based on BSC in Internet of Things.17 quantitative and qualitative indexes are designed from the four aspects of the internal flow,finance,customer,learning and growth of Balanced Scorecard in the Internet of Things environment.The weights of each index are calculated by AHP,then evaluate enterprise credit and determine corporate credit rating.3.Comparison and analysis of A Company credit evaluation in Internet of Things.By using the existing credit evaluation index system of A Company and the newly designed enterprise credit evaluation system under the environment of Internet of Things,this paper evaluates the credit of A Company and obtains different credit evaluation scores.By comparing the credit evaluation system of new and old enterprises Analysis,it is believed that the credit score and grade of the newly constructed enterprise credit evaluation system are more objective and scientific.