用层次分析法构造信托公司定性评价模型

Constructing the Qualitative Evaluation Model of Trust Companies by Using AHP Method

定性因素的权重难以通过纯计量方法得出。由于层次分析法可以避免专家判断的不一致性,可以用这种方法来解析专家问卷并得出定性权重。在商业银行构造信托公司内部信用评级的定性评价模型时,首先是确定信托公司定性评价指标框架,接着根据指标框架设计并发放调查问卷,然后再根据问卷调查结果得出各层评价目标的判断矩阵,从而求出各定性因素的权重向量,最后综合各层次权重就可以得出各定性因素在整个定性评价体系中的权重分配。

When establishing an internal credit rating model of commercial banks, the weights of qualitative factors are difficult to obtain by pure measuring methods. Because the analytic hierarchy process （AHP） can avoid the in- consistency of expert judgment, it is commonly used to handle the expert questionnaire and gain the qualitative weights. Taking the trust company as an example, the qualitative evaluation which consists of internal rating models, first of all, is to specify the qualitative evaluation system for the trust company, then to design and deliver questionnaires, hence to obtain the judgment matrix of the hierarehal evaluation targets according to the questionnaire results so as to calculate the weight vector of the qualitative factors, and finally to obtain the weight assignments of the qualitative factors in the qualitative evaluation system by combining the weights of all levels.