金融信贷营商环境的评估及体系构建——以世界银行营商环境评价体系为借鉴

Developing an Assessment System of the Impact of Accessing Credit on Business Environment Based on the Doing Business Project by the World Bank

金融信贷营商环境是营商环境的有机组成部分,直接影响市场配置资源的效率和流向。从近年经验上看,通过科学评价机制引领营商环境优化工作在我国取得了成功,因此构建科学合理的金融信贷营商环境评价体系和方法尤为必要。本研究分析世界银行“获得信贷”评估的优缺点,提出我国应当探索建立符合中国国情的金融信贷营商环境测评维度,以推进中国的金融信贷环境市场化建设。优化金融信贷营商环境,一是要建立市场化的金融信贷营商环境测评维度,二是要积极稳妥推进金融信贷“软环境”建设。

The ease of accessing credit is an integral part of an economy’s business environment,which directly affects the efficiency and direction of the allocation of resources on the market.In recent years,the optimization of business environment led by scientific evaluation mechanism has witnessed progesses in China,so it is particularly necessary to build a scientific and reasonable evaluation system to assess the ease of accessing credit and doing business.This study analyzes the advantages and disadvantages of the World Bank’s assessment on the ease of accessing creidt,and proposes that China should establish its own assessment dimensions in accordance with national conditions,so as to promote the construction of market-oriented business environment with easier credit accesses.To improve the ease of doing business score by making credits more accessible,a market-oriented evaluation dimension of accessing credit must be established and the“soft environment”of financial credit must be actively and steadily promoted.