征信文化建设对征信业影响的实证研究——以安徽省为例

An Empirical Study on the Influence of Credit Reference Culture Construction on Credit Reference Industry——Taking Anhui Province as an Example

以安徽省16个地市征信文化建设的实现形式为研究对象,通过定量与定性相结合的视角利用单因素方差分析工具探讨征信文化建设对征信业发展的影响,结果表明,征信文化建设对征信业发展发挥着正向作用,且长期效应要大于短期效应。建议明确征信文化建设理念和内涵,加强征信文化长效机制建设,拓展征信文化建设载体和平台,加强征信文化创新建设等,解决征信业发展中遇到的问题,形成征信文化和征信业同步发展、互融共通的良好局面。

Taking the realization forms of credit reference culture construction in the sixteen regions and cities in Anhui province as the research object,and by using single factor variance analysis tool from an integrated quantitative and qualitative perspective,the paper discusses the influence of credit reference culture construction on the development of the credit reference industry. The results show that the credit reference culture construction plays a positive role in the development of the credit reference industry,and that the long-term effect is more than short-term effect. Suggestions are as follows： clarify the concept and connotation of credit reference culture construction,strengthen the long-term construction mechanism for credit reference culture,expand credit reference culture carrier and platform,and enhance the construction of credit reference culture innovation,so as to solve the problems encountered in the development of the credit reference industry and form a good situation of synchronous development and mutual integration for both credit reference culture construction and credit reference industry.