Enterprise credit report is a kind of information product formed by professional institutions or platforms based on the basic information, financial data, credit records, industry conditions and other aspects of data and information, comprehensive analysis and evaluation of the credit status and risk level of enterprises. The main function of enterprise credit reporting is to provide reliable credit information and risk tips for enterprises themselves, financial institutions, partners, regulatory authorities, etc., to help all parties make credit decisions and risk management, to promote trust and cooperation between market subjects, and to improve market efficiency and social welfare.

The development of corporate credit reporting dates back to the mid-19th century, when commercial credit agencies in the United States began to provide credit information services for business transactions to address information asymmetry and moral hazard. With the process of industrialization, marketization and globalization, the demand and supply of enterprise credit reports are expanding, and the content and form of reports are constantly enriched and innovated, resulting in the emergence of a number of internationally renowned credit rating agencies and credit reporting platforms. In China, with the development of the market economy and the construction of the credit system, corporate credit reporting has also developed rapidly. At present, a diversified corporate credit reporting service system has been formed, which is led by the government, market participation, and social coordination. It provides a wealth of credit information and risk assessment services for various market entities.

However, with the continuous development and innovation of information technology, corporate credit reporting is also facing new opportunities and challenges, need to constantly adapt to market demand and social changes, improve the quality and value of the report. From a technical perspective, the application of emerging technologies such as the Internet, big data, cloud computing, artificial intelligence, and blockchain provides new possibilities for the data collection, processing, analysis, display, and dissemination of corporate credit reports. And means, it makes the data source of the report more extensive, the amount of data is larger, the data quality is more efficient, the data analysis is more intelligent, the data presentation is more intuitive, and the data dissemination is more convenient. From the perspective of demand, the demand of market entities for enterprise credit reporting is also increasingly diversified, personalized and socialized. It is not only necessary for the report to provide comprehensive, accurate and timely credit information and risk assessment, but also to provide customized, differentiated and professional credit services according to different industry characteristics, market environment, user preferences and other factors, the report also needs to be coordinated with social values, ethics, laws and regulations, etc., to reflect social responsibility and public interests.

In summary, this paper holds that the future development trend and path of enterprise credit reporting can be discussed from the three aspects of intelligence, personalization and socialization, as follows:

1. intelligence

Intelligence refers to the use of artificial intelligence and other technologies to make enterprise credit reporting have the characteristics of automation, intelligence and adaptability, and improve the efficiency and effectiveness of reporting. Specifically, intelligence is mainly reflected in the following aspects:

(1) Data collection. Using the Internet, Internet of Things, blockchain and other technologies to realize multi-source, multi-dimensional and multi-time data collection of enterprises, including basic information, financial data, credit records, business conditions, market behavior, social evaluation, etc., to form an all-round and dynamic credit portrait of enterprises and improve the authenticity and timeliness of data.

(2) Data processing. The use of cloud computing, big data, blockchain and other technologies to achieve efficient, secure, trusted storage, cleaning, integration, encryption and other processing of enterprise data, to solve the data redundancy, inconsistency, incompleteness, unreliable and other issues, improve the quality and availability of data.

(3) Data analysis. Using artificial intelligence, machine learning, deep learning and other technologies to achieve intelligent, accurate and in-depth analysis of enterprise data, including data classification, clustering, correlation, prediction, recommend, etc., to form enterprise credit rating, risk assessment, credit recommendations, etc., to improve the accuracy and effectiveness of analysis.

(4) Data presentation. Using visualization, virtual reality, augmented reality and other technologies, to achieve intuitive, vivid and interactive display of enterprise data, including data charts, images, animations, videos, etc., to form enterprise credit reports, credit certificates, credit card films, etc., to improve the aesthetics and readability of the display.

(5) Data dissemination. Use mobile Internet, social media, blockchain and other technologies to realize the convenient, extensive and controllable dissemination of enterprise data, including data sharing, forwarding, comments, likes, etc., to form enterprise credit communities, credit platforms, credit markets, etc., and improve the efficiency and influence of communication.

2. personalization

Personalization refers to providing customized, differentiated and professional enterprise credit reporting services for different market entities according to different industry characteristics, market environment, user preferences and other factors, so as to improve the satisfaction and value of the report. Specifically, personalization is mainly reflected in the following aspects:

(1) Industry characteristics. According to the characteristics of different industries, we provide special enterprise credit reporting services for different industries, including industry credit standards, credit indicators, credit models, credit evaluation, etc., reflecting the credit characteristics and credit needs of the industry, and improving the pertinence and professionalism of the report.

(2) The market environment. According to different market conditions, we provide adaptive enterprise credit reporting services for different market entities, including market credit rules, credit risk, credit opportunities, credit strategies, etc., reflecting market credit changes and credit impact, and improving the flexibility and practicality of reporting.

(3) User preferences. According to different user needs, for different users to provide satisfactory enterprise credit reporting services, including the user's credit purpose, credit attention, credit feedback, credit advice, etc., reflecting the user's credit demand and credit value, improve the personalization and humanization of the report.

3. socialization

Socialization refers to the coordination of corporate credit reporting with social values, ethics, laws and regulations, reflecting social responsibility and public interest, and improving the credibility and positive effects of reporting. Specifically, socialization is mainly reflected in the following aspects:

1) Values. Make the enterprise credit report in line with the values of society, including integrity, fairness, transparency, legality, etc., reflect the credit quality and credit culture of the enterprise, and improve the morality and credibility of the report.

(2) Code of Ethics. Make corporate credit reporting comply with social ethics, including protecting privacy, respecting rights, preventing discrimination, avoiding conflicts, etc., reflecting corporate credit behavior and credit impact, and improving the reasonableness and fairness of reporting.

(3) Laws and regulations. Make the enterprise credit report conform to the laws and regulations of the society, including abiding by the law, accepting supervision, assuming responsibility, correcting mistakes, etc., reflect the credit compliance and credit consequences of the enterprise, and improve the legitimacy and credibility of the report.

(4) Social responsibility. Make corporate credit reporting reflect social responsibility, including promoting development, protecting the environment, caring for the weak, participating in public welfare, reflecting the credit contribution and credit value of enterprises, and improving the positive and influential nature of the report.

In a word, enterprise credit report is an important information product, which plays an important role in the credit decision-making and risk management of market subjects. With the continuous development and innovation of information technology, corporate credit reporting also needs to constantly adapt to market demand and social changes to improve the quality and value of the report. This paper discusses the future development trend and path of enterprise credit reporting from the three aspects of intelligence, personalization and socialization, with a view to providing some reference and enlightenment for the innovation and improvement of enterprise credit reporting.