农村地区信用水平影响因素分析——基于安徽省农村信用体系建设实践的思考

An analysis on Affecting Factors for Levels of Credit in Rural Areas——Reflections on the Practice of Rural Credit Reference System Construction in Anhui Province

以层次分析法为基础,研究并量化影响农村信用水平的各种因素,结果显示,农村信用体系建设对提升当地信用水平产生了显著影响。但对信用水平综合评价指数较低的地区进行指标项因素分析后,发现还存在一些问题。建议加强农村信用环境建设,加强信用信息采集和应用,优化信息平台建设,完善激励约束机制,大力培植信用文化等,以提升农村地区的信用水平,优化农村金融生态环境。

A job is done to research and quantify the various factors affecting rural credit levels based on AnalyticalHierarchy Process （ AHP）, and the results show that construction of the rural credit system has had a significant im-pact on enhancing local credit levels. However, after an analysis is made on the index factors in terms of the areaswith lower levels of credit comprehensive evaluation indicators, we found that there are still some problems. In orderto enhance the levels of credit in rural areas and optimize the quality of rural financial ecological environment, thepaper puts forward the following proposals ： to strengthen the collection and use of credit information, to optimize in-formation platform construction, to improve the incentive and restraint mechanisms, and to take efforts to cultivatecredit culture.