Credit Reference 

Abstract: In order to ensure the expansion of the credit transaction size and regulate market economic order,a market penalizing mechanism for defaults is built in China in a unique manner of social credit system,as well as a grand credit reference system and government credit monitoring system.Construction practice of china′s social credit system is carried out under the guidance of theories.Theory precedes practice in China,which has effectively guided the construction of social credit system.The paper Introduces the major achievements of theoretical research on social credit system,explaining the formation process of the social credit system framework design and operating theory,including the core philosophy,the guiding ideology,design considerations,influencing factors,as well as the theory of the gradual improvement process.It is held that at the technical level,formation of the theory of social credit system is based on three basic theories,i.e.information economics,business credit management theory and credit reference technology in a broader sense.Meanwhile,the paper explains the theory of corporate credit management,credit rating techniques,the origins of the business credit reference and individual credit technology,and their development and innovation in China.On the basis of introduction of the research results,an analysis is made on the pros and cons for the above-mentioned theories and techniques,trying to sort out the heritage evolution of the theories related to social credit system and innovation,so as to explore the paths and methods for theoretical and technological innovation.

Abstract: In the environment of symmetrical information,internet finance can realize the inclusiveness of finance by making each person access to financial services freely and equally. This paper attempts to start from the basic features and the concept of internet finance and inclusive finance,discusses the differences and connections between internet finance and inclusive finance,and finds out the combination between them. Finally,the paper puts forward some suggestions for inclusive finance development under the background of internet finance.

Abstract: Ada Boost-integrating support vector machine( SVM) classifier is established in order to realize scientific measurement management of supply chain finance credit risk in this paper. The credit risk data is classified and learnt by firstly using SVM method with an establishment of base classifier. Then,a final evaluation model for supply chain finance credit risk is built through iterative training of Ada Boost algorithm. The empirical results show that the Ada Boost integrated SVM classifier has higher classification accuracy than that using fuzzy integrated method,therefore this model has a bright application prospect.

Abstract: There are hidden dangers and risks for Internet credit reference in the field of information security,and the development of Internet credit reference is separable from strong supervision. In order to cover the potential risks for Internet credit reference and realize its robust,the key points lie in establishing a sound information standardization system,promoting the construction of a national unified credit information sharing mechanism,strengthening Internet credit reference industry and information security regulation,and actively exploring the specification of personal information privacy protection system.