基于吉林省信用信息數(shù)據(jù)交換平臺的信用指數(shù)構(gòu)建研究
發(fā)布時間：2018-08-07 16:05
【摘要】：隨著改革開放持續(xù)不斷深入,社會主義市場經(jīng)濟制度已經(jīng)逐步形成并不斷完善。然而,由于我國市場經(jīng)濟起步較晚,信用制度不完善的問題逐漸凸顯,2014年,國務(wù)院發(fā)布《社會信用體系建設(shè)規(guī)劃綱要(2014—2020年)》(國發(fā)[2014]21號),提出“到2020年,以信用信息資源共享為基礎(chǔ)的覆蓋全社會的征信系統(tǒng)基本建成”的目標。基于信用信息共享平臺的信用指數(shù)能夠直觀、有效反映社會信用狀況,為政府加強社會信用體系建設(shè)和促進經(jīng)濟可持續(xù)發(fā)展提供決策依據(jù)。吉林省信用信息數(shù)據(jù)交換平臺基于國務(wù)院及省政府的政策安排,初期征集省內(nèi)34個廳局級政府單位監(jiān)管的信用信息。本文在此基礎(chǔ)上,構(gòu)建了吉林省綜合信用指數(shù)及監(jiān)管領(lǐng)域信用指數(shù)。為科學(xué)構(gòu)建綜合信用指數(shù),對國內(nèi)外已發(fā)布的信用指數(shù)及前人的文獻進行研究,將信用指數(shù)指標體系分為三個層級,其中一級指標為商貿(mào)類指標、安全類指標、社會民生類指標、金融環(huán)境類指標。選擇2015年、2016年信用信息數(shù)據(jù),為使各指標的數(shù)據(jù)信息能夠進行比較,采用功效系數(shù)法統(tǒng)一量綱,各指標的權(quán)重賦值采用層次分析法,對各層次采用加權(quán)求和的方法計算綜合信用指數(shù),指數(shù)評分越高反映社會信用狀況相對較好。對于監(jiān)管領(lǐng)域信用指數(shù)的構(gòu)建,將同度量因素即權(quán)數(shù)固定在基期水平上,采用“拉氏公式”計算,各期指標與基期指標比較,指數(shù)大于0,信用狀況相較于基期變好,反之則變壞。通過對吉林省信用信息數(shù)據(jù)交換平臺、信用吉林網(wǎng)、吉林紅盾網(wǎng)等官方網(wǎng)站信用信息數(shù)據(jù)的采集、分析,提取與信用狀況相關(guān)的指標,選取工商行政管理局、國家稅務(wù)局等15個廳局公開的24個信用指標信息,有效信用信息共計32130條。層次分析法對各指標重要程度的判斷,需構(gòu)造判斷矩陣,指標兩兩比較,判斷方法選用文獻分析法和專家咨詢法。通過計算,得到2015年、2016年吉林省綜合信用指數(shù)和工商行政管理局、食品藥品監(jiān)督管理局兩個監(jiān)管領(lǐng)域信用指數(shù),從信用指數(shù)的評價可以得出,2016年綜合信用及兩個監(jiān)管領(lǐng)域的信用狀況較2015年更好。通過對各獨立信用信息的有效整合和利用,構(gòu)建的地方性信用指數(shù),具有較好的操作性、適應(yīng)性、可比性,能夠較為直觀的看出,隨著國家和吉林省社會信用體系建設(shè)的推進和失信懲罰機制的完善,信用指數(shù)評分提高。信用指數(shù)用以反映地區(qū)性信用狀況及其發(fā)展趨勢,對微觀征信進行有益的補充,同時通過信用指數(shù)所反映的信用環(huán)境的好壞,對各行業(yè)、地區(qū)的投資起到有效參考作用,提高社會信用意識,形成“守信激勵,失信懲戒”的激勵約束機制。
[Abstract]:With the continuous deepening of reform and opening up, the socialist market economy system has been gradually formed and constantly improved. However, due to the late start of the market economy in our country and the problem of imperfect credit system, in 2014, the State Council issued the outline for the Construction of the Social Credit system (2014-2020) (No. 21, Guofa [2014] 21), and put forward "by 2020," On the basis of credit information resource sharing, the credit information system covering the whole society is basically built. The credit index based on the credit information sharing platform can directly reflect the social credit situation and provide the decision basis for the government to strengthen the construction of social credit system and promote the sustainable development of economy. Based on the policy arrangement of the State Council and the provincial government, the Jilin Province Credit Information Exchange platform initially solicits credit information from 34 departmental and bureau government units in the province. On this basis, this paper constructs Jilin Province comprehensive credit index and supervision field credit index. In order to construct the comprehensive credit index scientifically, the credit index published at home and abroad and the previous literatures are studied. The index system of credit index is divided into three levels, one of which is the commercial index, the other is the safety index. Social and livelihood indicators, financial environment indicators. Select the 2015, 2016 credit information data, in order to make the data information of each index can be compared, the efficiency coefficient method is used to unify the dimension, the weight of each index is assigned by the Analytic hierarchy process (AHP). The weighted summation method is used to calculate the comprehensive credit index. The higher the index score is, the better the social credit condition is. For the construction of credit index in the regulatory field, the same measure factor, that is, weight, is fixed at the level of base period. The Laplace formula is used to calculate the index of each period compared with the index of base period. The index is greater than 0, and the credit condition is better than that of base period. Vice versa, turn bad. Through the collection, analysis and extraction of credit information data of official websites such as Jilin Province Credit Information Exchange platform, Credit Jilin Network, Jilin Red Shield Network and other official websites, the Administration for Industry and Commerce was selected. The State Taxation Bureau and other 15 bureaus open 24 credit index information, effective credit information total 32130. In order to judge the importance of each index by AHP, we should construct judgment matrix, compare the two indexes, and select the method of literature analysis and expert consultation. Through calculation, the credit index of Jilin Province in 2015 and 2016, and the credit index of the two regulatory areas of the Administration of Industry and Commerce and the Food and Drug Administration are obtained. Judging from the credit index, the credit picture for the combined credit and two regulatory sectors was better in 2016 than in 2015. Through the effective integration and utilization of the independent credit information, the local credit index has good operability, adaptability, comparability, and can be seen intuitively. With the development of social credit system construction and the improvement of penalty mechanism, credit index score is improved. The credit index is used to reflect the regional credit situation and its development trend, and to supplement the micro credit information. At the same time, through the credit environment reflected by the credit index, it plays an effective reference role to the investment of various industries and regions. Improve the social credit consciousness, form the incentive and restraint mechanism of "keeping the promise, punishing the breach of promise".
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F203
本文編號：2170565
[Abstract]:With the continuous deepening of reform and opening up, the socialist market economy system has been gradually formed and constantly improved. However, due to the late start of the market economy in our country and the problem of imperfect credit system, in 2014, the State Council issued the outline for the Construction of the Social Credit system (2014-2020) (No. 21, Guofa [2014] 21), and put forward "by 2020," On the basis of credit information resource sharing, the credit information system covering the whole society is basically built. The credit index based on the credit information sharing platform can directly reflect the social credit situation and provide the decision basis for the government to strengthen the construction of social credit system and promote the sustainable development of economy. Based on the policy arrangement of the State Council and the provincial government, the Jilin Province Credit Information Exchange platform initially solicits credit information from 34 departmental and bureau government units in the province. On this basis, this paper constructs Jilin Province comprehensive credit index and supervision field credit index. In order to construct the comprehensive credit index scientifically, the credit index published at home and abroad and the previous literatures are studied. The index system of credit index is divided into three levels, one of which is the commercial index, the other is the safety index. Social and livelihood indicators, financial environment indicators. Select the 2015, 2016 credit information data, in order to make the data information of each index can be compared, the efficiency coefficient method is used to unify the dimension, the weight of each index is assigned by the Analytic hierarchy process (AHP). The weighted summation method is used to calculate the comprehensive credit index. The higher the index score is, the better the social credit condition is. For the construction of credit index in the regulatory field, the same measure factor, that is, weight, is fixed at the level of base period. The Laplace formula is used to calculate the index of each period compared with the index of base period. The index is greater than 0, and the credit condition is better than that of base period. Vice versa, turn bad. Through the collection, analysis and extraction of credit information data of official websites such as Jilin Province Credit Information Exchange platform, Credit Jilin Network, Jilin Red Shield Network and other official websites, the Administration for Industry and Commerce was selected. The State Taxation Bureau and other 15 bureaus open 24 credit index information, effective credit information total 32130. In order to judge the importance of each index by AHP, we should construct judgment matrix, compare the two indexes, and select the method of literature analysis and expert consultation. Through calculation, the credit index of Jilin Province in 2015 and 2016, and the credit index of the two regulatory areas of the Administration of Industry and Commerce and the Food and Drug Administration are obtained. Judging from the credit index, the credit picture for the combined credit and two regulatory sectors was better in 2016 than in 2015. Through the effective integration and utilization of the independent credit information, the local credit index has good operability, adaptability, comparability, and can be seen intuitively. With the development of social credit system construction and the improvement of penalty mechanism, credit index score is improved. The credit index is used to reflect the regional credit situation and its development trend, and to supplement the micro credit information. At the same time, through the credit environment reflected by the credit index, it plays an effective reference role to the investment of various industries and regions. Improve the social credit consciousness, form the incentive and restraint mechanism of "keeping the promise, punishing the breach of promise".
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F203
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