Commercial Credit Evaluation System For Empirical Research

Along with the rapid development of our socialist market economy and the continued boom in commercial real estate, the commercial street in China is also growing y leaps and bounds in quantity, scale, type and form. But commercial street’s lack of honesty and credit can not only harm the legitimate rights and interests of consumers and be not benefit to the sustainable development of the merchants and the street, also disturbe the normal market order, and have a great negative impact on the development of services and the urban image. Therefore, we must strengthen good faith construction of commercial sreeet, and increase the commercial street’s integrity management. Among them, integrity evaluation for the commercial street is an important measure of finding hidden trouble of integrity, preventing good faith flaw phenomenon and promoting integrity level, and has an important practical significance to the healthy and orderly development of the commercial street.This paper first clearly defines integrity and integrity evaluation of the commercial street from the connotation of honesty. Next, based on the current situation of the commercial street, select the integrity evaluation contents from three elements in the integrity system of the commercial street by Delphi method, including integrity intend, integrity ability and good faith performance, and construct the integrity evaluation criteria system of the commercial street from basic quality, the street management level, merchants management level, integrity management, social responsibility, integrity management records and so on. Then, with the method of combining DEMATEL and ANP, establish the integrity comprehensive evaluation model. Firstly, calculate the comprehensive influence of commercial street integrity evaluation criteria by DEMATEL method, and although ANP method get the comprehensive weight of credit evaluation criteria, and analyze the impact strength and weighted values to find the more important criteria for commercial street integrity. On tthat basis, according to relevant laws and regulations, set detail contents and rating standards and put forward the "4levels and7grades " other documents formulated the commercial integrity of detailed evaluation content and evaluation criterion, puts forward classify the integrity grade by the "level3seven" method. Finally, apply the commercial street integrity evaluation system to analyzing the street sample to demonstrate and verify the integrity evaluation system.