新自由主义与西方社会信用体系危机

New Liberalism and the Crisis of Western Social Credit Management System

世界金融危机发生以来,各国都普遍采取了救市措施。但救市只是治标之策,并不能从根本上解决问题。本文对以美国为首的西方自由市场经济制度与发展模式进行深入分析,认为当前的金融危机首先是信用危机,是新自由主义经济制度与美国社会信用管理体系的危机,包括消费信用危机、金融创新与银行信用危机、金融监管与政府信用危机。而信息不对称是危机产生的认识根源,传统经济理论都是完全信息假设条件下的产物,现实中信息不对称则是一种常态。用完全信息假设条件下建立的经济理论指导现实中不完全信息的市场经济实践,其结果可想而知。社会信用管理体系不完善与监管机制的滞后性是危机产生的体制原因,只有加快建立完善的社会信用管理体系才是规避风险、化解危机的治本之策。

After the world financial crisis, every country in the world has implemented some countermeasures on the bailout which only can bring about a temporary solution. With the help of a profound analysis on the free market economic system and the mode of development in the United States, the author believes that financial crisis is a kind of credit crisis, is a crisis of neo-liberalism economic system and the social credit management system in the United States, such as the credit crisis of consumption, financial innovation and bank, financial supervision and government. The asymmetry of information is the resources for the understanding of crisis. The traditional economic theories are the products of the assumption of complete information. And in reality, the information asymmetry is a norm. We can imagine the result from guiding the market economic practice in the light of incomplete information with economic theories developed in the assumption of complete information. So, the imperfect social credit management system and the lagged behind supervision mechanism is the institutional causes for the crisis. Only the acceleration of establishing a perfect social credit management system is the the radical measures for us to avoid and defuse the risks.