Research on Risk Assessment Method of Enterprise's Arrears Based on Block-Chain Credit Consensus
Abstract Background:At present, the power supply market has always acquiesced to the rule of ‘use electricity first, pay later’,some electricity users may delay payment or even default on electricity bills due to various reasons, causing problems such as a long recovery period for electricity bills and difficulty in debt settlement. In order to reduce this kind of phenomenon, the power supply company must understand the user's historical electricity consumption data, capital status, credit status and other information, but the establishment of such a database requires a lot of time and human resource costs.Methods:Based on the distributed storage technology of blockchain, this paper abstracts power supply companies, power users, banking financial institutions, government regulatory agencies, etc. into nodes on the alliance chain.After that,this paper introduces a credit scoring model to judge the credit rating of user information based on characteristic indicators, and select the corresponding electricity fee recovery policy after the result is obtained, so as to reduce the operating risk of the power supply company.Results:This article combines the power and energy market with blockchain technology to establish a secure and distributed credit data blockchain, and at the same time establish a credit scoring model based on expert review questionnaire data. The analysis results show that this mechanism is suitable for credit data storage and sharing in energy transactions. Conclusions:Research and analysis indicate that the credit risk assessment method of electricity transaction data proposed in this article provides a theoretical basis for the combination of electricity transaction credit risk assessment and blockchain technology,which will help improve the company's ability to assess the risk of arrears and reduce the operating risk of power supply companies.