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概述中国农村信贷环境:测量逻辑,评估系统和案例分析
Xihui Chen1, Zhouyi Gu2, Luca Esposito3
1School of Management, Zhejiang University of Technology, Hangzhou, Zhejiang 310000, China; Innovation and Development Research Center, Hangzhou United Rural Commercial Bank, Hangzhou 310000, China.
Evaluation and program planning
|November 20, 2024
概括
评估中国农村信贷环境是加强社会信贷体系的关键. 这项研究提供了一个新的框架和案例研究,以评估信贷质量并确定需要改进的问题.
科学领域:
- 农业经济学 农业经济学
- 农村发展 农村发展
- 社会信用系统 社会信用系统
背景情况:
- 有效的农村社会信用系统需要对当前的农村信用环境有清楚的了解.
- 现有的评估缺乏全面的框架来评估农村信贷的多方面的性质.
- "社会信用体系建设纲要 (2014-2020年) "为这项研究提供了政策基础.
研究的目的:
- 澄清农村信贷环境的概念和衡量原则.
- 为农村信贷环境构建一个创新的评估框架.
- 量化评估目前的状况,并确定农村信贷环境中的关键问题.
主要方法:
- 开发了农村信贷环境的新评估框架.
- 采用量化测量和统计分析,使用组合权重方法.
- 在一个案例研究 (班镇) 中,利用云计算模型进行质量水平评估和因素识别.
主要成果:
- 建立了宏观层面的评估标准,并量化了农村信贷环境的状况.
- 通过微层次案例分析,确定了影响农村信贷环境质量的关键因素.
- 综合的宏观微观方法提供了对信贷环境的全面评估.
结论:
- 该研究提供了一种新的,综合的方法来评估农村信贷环境.
- 结果提供了理论见解和改善农村信用质量的实际策略.
- 这项研究有助于推动中国农村社会信用体系的建设.
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