农户信用信息评价指标的设计及优化  

Design and Optimization of the Evaluation Indicators for Farmers' Credit Information

作　　者：巩守效[1] 石望林[1] 何云[1] 赵静[1] 

机构地区：[1]中国人民银行天水市中心支行,甘肃天水741000

出　　处：《征信》2014年第11期59-62,共4页Credit Reference

摘　　要：农户信用信息评价指标体系是农村信用体系建设的核心内容。为优化金融生态环境,推动农村经济的发展,从优化农户信用信息指标入手,以模糊层次分析法为主要分析工具,结合天水市某农户的实践案例进行分析,结果表明信用村农户的信用评价结果明显优于非信用村农户。因此,应加强农村征信知识的培训和宣传,切实履行信息告知义务,继续完善农户信用评价指标体系建设,加大对信用评价工作的政策支持,优化农村信用评价工作。The farmers＇ credit information evaluation indicator system is the core content for construction of rural credit system. In order to optimize the financial ecological environment and promote the development of rural econo- my, starting from the optimized farmers＇ credit information indicators, by using fuzzy analytic hierarchy process as the main analysis tool, the paper made an analysis on farmer＇ s practices of Tianshui City as a case study. The re- sults show that the credit evaluation results of farmers in the credit - trial villages are significantly better than those in the non credit - trial villages. Therefore, we should strengthen the rural credit knowledge and awareness training, and earnestly fulfill the obligation of making information known, continue to improve construction of the farmers＇ credit evaluation indictor system, put greater efforts on policy support for credit evaluation, and optimize rural credit evaluation work.

关 键 词：农户信用信息 信用评价 评价指标 模糊层次分析法 

分 类 号：F832.31[经济管理—金融学]