信用的经济学内涵及其相关概念辨析

The economics meaning of credit and conceptual discrimination on some related conceptions

在经济、社会交往中恪守承诺,这样一个关于信用的定义无疑具有极强的张力,能够涵盖人类的所有经济活动和整个社会生活,解释所有人类个体在经济、社会交往中恪守承诺的各种各样的行为。信用的经济学内涵,即信守合约,诚实交易,摈弃机会主义行为,既与信用的一般定义相吻合,紧扣重诺守信这一信用的内在规定性;又符合经济信用的特点,着眼于诚信交易,信守合约,决不利用自身的信息优势损害经济交往中对方的利益。诚信、信任与信誉是同信用密切关联的概念,需要从理论上予以辨析。

The definition that credit is to keep one＇ s words in social and economic interactions is powerful enough to almost cover every aspect of economic activities and social life, and to interpret various individual behaviors. The economics meaning of credit is to keep contract run, be honest in transaction, and cast opportunist behaviors away. This complies both with the general definition which focuses on the inherent quality of keeping promise, and with economic credit＇ s characteristics which attach importance to honest transaction, to contract and never harming the benefits of the other party by taking advantage of information. While honesty and trust, trust and reputation have close relationship with credit, it is necessary to give a theoretical discrimination on these concepts.