摘要
基于区域信用环境评价应遵循的7大基本原则,本文构建了信用融资环境、信用宣教机制建设、信用主体信用水平、信用中介发展状况与信用市场水平、公共征信系统建设水平5个方面的13个指标,建立AHP模型,对新疆区域信用环境进行了评价。研究发现:新疆北疆地区信用环境评分较高,南疆三地州较低,但阿勒泰、吐鲁番、塔城三地的评价低于南疆部分地区。乌鲁木齐市评分名列前茅,分值是排名第二的克拉玛依市的2倍多。除乌鲁木齐、昌吉和石河子外,本文的区域信用环境评价结果与2018年度新疆人民银行各地征信部门工作考核结果基本一致。基于研究结论,本文提出了提升区域信用环境的五方面对策建议。
Based on the 7 basic principles that regional credit environment assessment should follow,this article constructs five aspects of the credit financing environment,the construction of credit missions,the credit level of credit subjects,the development status of credit intermediaries and the level of credit markets,and the level of public credit reporting systems.AHP model was established to evaluate the regional credit environment in Xinjiang.The study found that:Xinjiang’s northern Xinjiang region has a higher credit environment score,and southern Xinjiang’s three prefectures have lower ratings,but Altay,Turpan,and Tacheng have lower ratings than some southern Xinjiang regions.Urumqi ranks among the best in terms of score,more than double the score of the second-ranked Karamay.Except for Urumqi,Changji,and Shihezi,the results of the regional credit environment assessment in this article are basically consistent with the results of the 2018 credit evaluation departments of Xinjiang People’s Bank.Based on the conclusions of the study,this article proposes five countermeasures for regional credit environment.
作者
侯兆辉
Hou Zhaohui(Urumuqi Sub-branch of PBC,Xinjiang China)
出处
《金融发展评论》
2019年第10期146-158,共13页
Financial Development Review
关键词
信用体系建设
信用环境评价
指标体系
层次分析法
新疆
Construction of Social Credit System
Regional Credit Environment Assessment
Index System
Analytic Hierarchy Process(AHP)
Xinjiang
