欠发达地区居民信用水平和影响因素分析--以吉林省通化市为例

Analysis of Residents'Credit Level and Infl uencing Factors in Underdeveloped Areas--Take Tonghua City,Jilin Province as an Example

长期以来,欠发达地区居民信用意识不强、信用水平不高,一直是制约欠发达地区信贷投放、金融服务水平提升的重要因素,为准确分析影响欠发达地区居民信用水平不高的主要因素,本文通过问卷调查、实证分析,梳理出制约欠发达地区居民信用水平提升的主要因素,并针对性地提出解决方案,从而为欠发达地区经济金融发展提供有价值建议。

For a long time,the lack of credit awareness and low credit level of residents in underdeveloped areas has always been an important factor restricting credit and the improvement of fi nancial service levels in underdeveloped areas.It is an accurate analysis of the main factors aff ecting the low credit level of residents in underdeveloped areas.Factors.Through questionnaire surveys and empirical analysis,this paper sorts out the main factors restricting the improvement of the credit level of residents in underdeveloped areas,and proposes targeted solutions,so as to provide valuable suggestions for the economic and fi nancial development of underdeveloped areas.