制造企业行为征信案例与推广路径研究——基于工业互联网的视角

Behavioral Credit Investigation and Promotion Path of Manufacturing Enterprises--Based on the Perspective of Industrial Internet

基于工业互联网对制造企业开展行为征信,可谓独辟蹊径。这将大大丰富企业信用信息库,其主要特征包括制造企业设备信息化、数据采集实时化、故障预警灵敏化和征信评价实用化。由案例分析可知,行为征信机构可以跨地域、跨行业实时获取、加工制造企业生产力数据,持续更新企业行为画像,为企业与金融机构提供以信用评价为核心的一体化服务。为扩大其社会影响力,征信机构要进一步细分行业领域,丰富增值服务,和中央银行、商业性金融机构以及其他征信主体展开多样化的合作。

It is a unique way for manufacturing enterprises to carry out behavioral credit investigation based on the industrial Internet,which will greatly enrich the enterprise credit information database.Its main characteristics include equipment informatization of manufacturing enterprises,real-time data collection,sensitive fault warning and practical credit evaluation.From the case analysis,it can be seen that behavioral credit investigation agencies can acquire and process the productivity data of manufacturing enterprises in real time across regions and industries,continuously update the corporate behavior portrait,and provide integrated services with credit evaluation as the core for enterprises and financial institutions.In order to expand its social influence,credit investigation agencies should further subdivide industry fields,enrich value-added services,and carry out diversified strategic cooperation with central banks,commercial financial institutions and other credit investigation subjects.