基于层次分析法的中国城市信用指数模型研究

A Study on AHP-based China Urban Credit Index Models

为提高征信系统对宏观经济的服务能力,进一步挖掘征信数据价值,了解中国城市信用状况,综合借贷双方,重点关注贷款规模、获取信贷便捷度及信贷风险等三个因素,采用层次分析法建立城市信用指数模型,并对中国各城市的信用情况进行综合评价。该指数分值在0到100之间,分值越高表明城市信用状况越好,反映信贷市场进入良性循环,贷款方信贷风险低,借款方快捷享受信贷服务。利用50亿条征信记录进行分析挖掘,得出近10年来中国城市信用特点及发展趋势,并提出相关结论。

In order to increase the credit reporting system＇ s service capacity for macro-economg, discover potential value of credit information and understand the credit conditions of China＇ s cities, the paper combines lenders with borrowers, focuses on such three factors as loan size, the availability of a loan and credit risks, and builds an urban credit index model based on the analytic hierarchy process （AHP） and makes an overall evaluation of the credit conditions of China＇ s cities. The index score scope is from 0 to 100 ; the higher score indicates a better credit condition of the city, which also means that the credit market is in a virtuous cycle, the credit risks on the loan side are low and that the borrowers can get a loan service conveniently. Five billions of credit reference records were analyzed and dug, drawing relevant conclusions with regard to the characteristics and developments of the credit conditions of China＇ s cities in the past ten years.