论市场经济条件下我国信用制度的建构

On the Establishment of Chinese Credit System in Marketing Economy

由于传统经济体制下规范人们信用行为的行政约束和道德约束失去了原有的效用,而与市场经济体制相适应的信用制度还没有建立,我国经济领域内出现了大量的信用缺失现象,严重制约了我国市场经济的发展。本文从建立完善的信用管理法律制度、有效的信用信息披露制度、严厉的失信惩罚制度以及大型的信用服务机构等方面提出了重建信用制度的路径。

The economy in China is undertaking a period when the old administrative and moral constraints have lost their effects on credit behaviour. As a result, there is a great of credit lacking in the economic field, which severely hinders the development of market economy. This paper proposes a routine of re-establishing the system of credit: setting up a complete legal system of credit administration, efficient measurements of credit disclosure, strict penalty of credit loss and agencies of credit services.