Analysis And Research On Regional Differences Of Corporate Credit

The modern market economy is a credit economy,a mature credit society supports a perfect market economy,and corporate credit is the most critical,active,and influential part of social credit.Efficient,accurate and convenient enterprise credit evaluation is a problem that the academic community has always been concerned about.Traditional corporate credit evaluation is based on small data credits with financial data as the core.In practice,since most of the financial statements of companies other than listed companies have not been audited by third-party organizations,the problem of distortion of financial data quality is common.Big data technology can solve the problem of credit data information quality.At the same time,it is more effective to use a big data to evaluate a company's credit than to use a complex evaluation model.At present,the domestic research work on credit evaluation of companies with big data mainly focuses on theoretical support and index system reconstruction,and there are few empirical studies based on big data.In this paper,we use the data of the Jiangsu Enterprise Credit Management Platform to establish an enterprise scoring model based on big credit data,and conduct enterprise credit evaluations of about one tenth of Jiangsu's enterprises,about 320,000 companies,to study the regional differences in enterprise credit levels.At the same time,it uses correlation analysis to study the relationship between the credit level and economic development level of enterprises in different regions of Jiangsu Province.The study found that:(1)As the size of the enterprise(registered capital)increases,the enterprise's credit score increases,that is,the enterprise's credit level gradually increases.(2)The larger the scale of the enterprise,the closer the distribution of enterprise credit levels to the normal distribution.(3)The more developed the regional economy,the higher the corporate credit level.(4)With the increase in the scale of enterprises,the gap in the credit level of enterprises between regions first expanded and then narrowed,showing an inverted U-shaped change.(5)The GDP per capita(yuan)and the regional credit development level are positively correlated,and the statistical significance is very obvious.According to the research conclusions,the following policy recommendations are proposed:(1)Deeply excavate data and use corporate credit big data.(2)Coordinate regional economic development and strengthen enterprise supervision in northern Jiangsu.(3)Adhere to economic construction as the center and improve the credit level of enterprises.(4)Pay more attention to credit supervision of small and medium-sized enterprises.