The Research On Credit Evaluation Of Real Estate Development Enterprises Based On The Third Party

The real estate industry has played a very important role in improving people's lives and promoting economic and social development.However,with the rapid development of the real estate industry,many credit problems have been exposed.Credit construction is imminent.The credit system construction of the industry is lagging behind the growth of the industry.Credit is the basis of enterprise management,and the credit construction of real estate enterprises is extremely urgent.In this context,the paper proposes to establish a credit evaluation system for the real estate development enterprises,which is based on the third party.The purpose of this paper is to develop an operational,fair,effective and accurate credit evaluation system for the real estate development enterprises.So that it can effectively play a fair and just evaluation leverage in real estate transactions,transparently present the credit situation of real estate development enterprises and help the owner to identify the integrity real estate development enterprises.Meanwhile,it urge the real estate development enterprises to reduce the dishonest behaviors,reverse the credit crisis of the real estate development enterprises,and promote the sustainable and healthy development of the real estate development enterprises.This is of great significance for establishing social credit system and improving socialist market economy system.Firstly,by studying the real estate development enterprises' credit problems,contrasting and analyzing the advantages and disadvantages of the credit evaluation indexes for real estate development enterprises issued by qinghai province,chengdu city,chongqing city,shenzhen city and shenyang city,the importance of credit evaluation of real estate development enterprises based on the third party is put forward.Secondly,the three-level indicator structure of credit evaluation based on the third party is determined by referring to the real estate development enterprise qualification evaluation index and combining the whole life cycle of real estate development enterprise development project,the stakeholder theory,"three F" element theory and the corporate social responsibility theory,etc.The paper used the data collected by questionnaire and interview to calculate the weights of each index through the analytic hierarchy process and weighted synthesis,and the corresponding score of each index was calculated according to the percentage calculation.Then,the paper built a credit evaluation method based on credit evaluation index and weight.It includes the priority to eliminate the seriously untrusted real estate development enterprises,formulating the credit scoring rules of the listed real estate development enterprises and setting the credit rating.Finally,the paper selected A Real Estate Development Corporation and B Real Estate Development Company for example,using the real estate development enterprise credit evaluation system which is new build for the empirical analysis of the two real estate development enterprises' credit evaluation.The research shows that the credit evaluation results of these two enterprises by using this credit evaluation method are consistent with the credit evaluation results of real estate development enterprises in fujian province from 2016 to 2018.Compared with the credit evaluation method of real estate development enterprises which only collects credit information of administrative punishment of real estate development enterprises in fujian province,the credit evaluation method studied in this paper is more systematic,comprehensive and fair.This paper verifies the rationality of this credit evaluation method through empirical analysis and puts forward relevant measures to improve the credit of real estate development enterprises.