基于MIC-MAC的农户信用评价指标体系优化研究

Optimization of Peasant Household Credit Evaluation Index System Based on MIC-MAC

在构建指标体系时,现有的研究大多依据经济理论、成熟的评价标准来进行指标的选取,往往忽略了对反映重复信息的指标进行筛选的过程,仅有的指标筛选步骤也只是对指标之间的线性相关性进行识别.运用MIC-MAC相结合的方法,以农户信用评价指标体系构建为出发点进行实证研究,证明方法可以有效识别存在信息冗余的指标,对指标体系的优化具有现实指导意义.

In constructing the index system, most of the existing researches were based on the economic theory, mature evaluation criteria for indicator selection. They ignored index filtering process, which reflecting repeat information. Index screening procedure is only identifying the linear correlation between indicators. This article applies the method of combining MIC and MAC to build the peasant household credit evaluation index system. It proved that the method can effectively identify the information redundancy between indicators. And it has practical guiding significance to the optimizing of index system.