基于三重积分原理的企业三维信用评价模型研究  

Research on the Three-dimensional Credit Evaluation Model of Enterprises Based on Triple Integral Principle

作　　者：徐德顺[1] 马凡慧 寇明珠 Xu Deshun;Ma Fanhui;Kou Mingzhu(Chinese Academy of International Trade and Economic Cooperation,Ministry of Commerce,Beijing 100710,China)

机构地区：[1]商务部国际贸易经济合作研究院,北京100710

出　　处：《征信》2021年第10期22-28,共7页Credit Reference

摘　　要：基于复杂系统理论和三重积分原理,从主观履约意愿、客观履约能力及外部履约环境三个维度设计指标体系,构建WCE三维信用评价模型,将企业信用评价拓展至三维空间内。通过随机抽样选取浙江省20家汽车制造业上市公司进行实证检验,结果表明WCE三维信用评价模型可对企业信用质量进行较为全面的评价,并验证了评价结果的有效性。Based on the concept of complex system and triple integral principle,the WCE three-dimensional credit evaluation model is designed from three dimensions of subjective performance willingness,objective performance ability and external performance environment to expand the credit evaluation of enterprises into three-dimensional space.An empirical study has been conducted by randomly selecting twenty listed automobile manufacturing companies in Zhejiang Province and the results show that the WCE three-dimensional credit evaluation model can provide a more comprehensive evaluation of corporate credit quality and verify the validity of the evaluation results.

关 键 词：复杂系统 三重积分 WCE三维信用评价模型 履约 信用质量 

分 类 号：F832.4[经济管理—金融学] F224