信联网商务信用体系理论与实践——概念、理论与技术架构

发布时间：2018-02-13 00:04

本文关键词： 信联网商务信用信用评估信联码信联值信联通　出处：《中央财经大学学报》2017年05期 　论文类型：期刊论文

【摘要】：信联网商务信用体系是在传统商务信用理论的基础上,应用当前信息科技发展的最新成果构建的一套商务信用管理体系,包括信联网商务信用理论、技术架构和应用。信联网商务信用理论研究的主体是商务信用行为,研究的重点是商务信用评估,研究的目的是实现信用资产的流通,因此包括商务信用界定、商务信用评估和商务信用资产形成三个方面。信联网商务信用体系的技术架构包括三个数据库、一套商务信用评估体系和多个商务信用应用端,即"3+1+N"。其创新性主要体现在数据来源多重化、指标体系客观化、数据处理动态化、信用评估智能化和信用额度资本化。应用信联网商务信用理论,将组织的商务信用信息纳入信联网商务信用体系,实现商务信用信息互联互通。信联网商务信用体系的应用不仅可以优化我国的商务环境、推进产业结构调整,而且对支撑我国战略性新兴产业发展有重大现实意义。
[Abstract]:Based on the traditional business credit theory, the credit system of credit network is a set of business credit management system, which is constructed by applying the latest achievements of the development of information technology, including the theory of business credit of information network. The main body of the research is the business credit behavior, the focus of the research is the business credit evaluation, the purpose of the research is to realize the circulation of the credit assets, so it includes the definition of the business credit. Business credit evaluation and business credit asset formation. The technical framework of the credit system includes three databases, a set of business credit evaluation system and multiple business credit applications. That is, "31N". Its innovation is mainly embodied in the multiple sources of data, the objectivity of index system, the dynamic processing of data, the intelligence of credit evaluation and the capitalization of credit quota. Bring the business credit information of the organization into the business credit system of the information network, and realize the interconnection of the business credit information. The application of the credit system can not only optimize the business environment of our country, but also promote the adjustment of the industrial structure. Moreover, it is of great practical significance to support the development of China's strategic emerging industries.
【作者单位】：中央财经大学商学院;中国互联网商务金融研究院;
【基金】：中国互联网商务金融研究院联合中央财经大学等单位承担的中国留学人才发展基金会2014年重大研究项目
【分类号】：F203

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