区域信用环境评价指标体系研究——以陕西省为例.docVIP

区域信用环境评价指标体系研宄 陕西省为例 张原陈玉莖 陕西科技大学管理学院海南大学应用科技学院 信用环境评价是改善信用环境的有效途径。本文从信用环境N涵出发，构建了可 涵盖经济环境、金融环境、教育环境、信息环境的宏观外部信用环境和考虑政府 信用、企业信用、个人信用的微观信用主体环境的7个一级指标与20个二级指 标的IX域信用环境评价指标体系；并以陕丙省为例，利用因子分析法对陕丙省信 用环境进行评价，提出改善对策，为加强社会信用体系建设及“信用陕西”战略 的实施提供有力参考。 关键词： 区域信用环境;评价指标体系;因子分析;陕丙省; 收稿曰期:2014-05-15 基金：陕西轻工产业发展战略研究中心资助研究(2014Q003) The Research on Evaluation Index System of Regional Credit Environment: Taking Shaanxi Province as an Example ZHANG Yuan CHEN Yu-fei Shaanxi University ofScience and Technology; Hainan University; Abstract： Credit environment evaluation is an effective way to improve the credit environment. First of all, based on the meaning of the credit environment, the paper built the regional credit environment evaluation index system. The index system included seven one- level indicators and twenty- two- level indicators. The indicators covered macroscopic external environment, which included economic environment, financial environment, educational environment and information dissemination environment, and micro- credit subject environment, which involved government credit, enterprise credit，personal credit. Secondly, the paper put forward regional credit environment evaluation method- Factor Analysis and found out the situation of credit environment in Shaanxi by using the method. Finally, the paper proposed measures to resolve the problems of credit environment in Shaanxi effectively. The conclusion will provide a reference for strengthening the social credit system construction and promoting the implement of “Credit Shaanxi” strategy smoothly. Keyword： regional credit environment; evaluation index system; factor analysis; Shanxi Province; 良好的信用环境是经济健康发展的基本保证。当前我国己进入“信用经济时 代” UEZ5L但信用环境不容乐观，据统计我国每年因信用缺失、信用监督缺乏 等问题造成的直接与间接损失高达5 855亿元，相当于我国年财政收入的37%， 造成的无效成本为我国年均GDP的10% ~ 20%，即导致国民生产总值至少减少两 个百分点。信用环境恶化、信用缺失等问题已严重影响国民经济秩序，成为制约 我国经济发展的瓶颈,优化信用环境迫在眉睫。 信用环境评价主耍包括评价区域的选择，评价指标体系的构建，评价方法的选择 三方面。不同区域，由于经济发展水平不同，使得信用环境与信用体系建设呈现区 域差异化。本文以区域信用环境评价为研宄对象，以构建区域信用环境评价指标 体系为核心，对区域信用环