供电企业客户资信评估体系研究

发布时间：2018-01-11 03:02

本文关键词：供电企业客户资信评估体系研究　出处：《武汉理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：客户欠费一直是供电企业经营风险之一,提高电费回收率能有效地降低供电企业的经营风险。然而电力商品的赊销方式和电力客户的急剧增加导致了各地欠费的频繁发生。社会上普遍存在的信誉缺失现象在电费回收上得到了反映,我国现有的法律制度又不能给供电企业追逃电费提供直接的硬性保障。资信评估作为一种旨在防范信用风险的社会监督手段,是市场经济发展到一定阶段的必然产物,其对市场经济的重要性已得到了理论研究的证明和发达国家实践的检验。国外的资信评估已经发展多年,理论体系和方法都比较成熟,在我国,学者们也进行了大量的相关研究并将其应用到各行各业。本文首先介绍资信评估相关的理论基础,其次通过分析影响供电企业客户信誉的内外部因素,利用定量和定性相结合的方法确定供电企业客户资信评估的指标,然后引入突变级数法构建评估体系。紧接着利用构建的体系对x供电公司的50家客户进行实例应用,在证明模型有效性的基础上对这50家客户连续三年的资信状况进行评估,并划分资信等级。最后给出每个资信等级客户的差异化服务策略,从而提高客户服务水平。本文从弱化财务指标,强调客户信誉和配合度指标的角度,利用突变级数法构建了供电企业客户资信评估体系。通过本文的研究,不仅缓解了供电企业客户欠费问题,降低经营风险,提高客户服务水平；同时也为资信评估体系的研究提供了新的思路。
[Abstract]:As a kind of social supervision means aiming at preventing credit risk , the current legal system in our country has been developed into a certain stage . The credit evaluation is a necessary product for the development of market economy to a certain stage . The credit evaluation is mature in the development of market economy . In China , scholars also carry out a lot of relevant research and apply them to all walks of life . Based on the analysis of the internal and external factors that influence the customer ' s credibility of the power supply enterprise , this paper first introduces the internal and external factors that influence the customer ' s credibility of the power supply enterprise , then uses the method of quantitative and qualitative analysis to determine the index of the customer ' s credit evaluation of the power supply enterprise , then introduces the mutation progression method to construct the evaluation system . Then , we use the constructed system to evaluate the credit status of the 50 customers for three years , and divide the credit rating . Finally , the differentiated service strategy of each credit rating customer is given , so that the customer service level is improved . From the perspective of weakening financial index , emphasizing customer ' s reputation and matching degree index , this paper constructs a customer ' s credit rating system of power supply enterprise by using mutation progression method . Through the research of this paper , not only the problem of customer ' s defect of power supply enterprise is relieved , the operational risk is reduced , and the customer service level is improved ; meanwhile , it provides a new idea for the research of credit evaluation system .

【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F274;F426.61

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