中西信用评价技术发展比较研究

A Comparative Study on Credit Evaluation Technology Development in China and Western Countries

我国信用评价技术发展现状和水平,不仅远远落后于西方信用发达国家,而且远远滞后于国内蓬勃发展的信用建设事业的实践需要。通过中西方信用评价技术发展的逻辑比较以及与此相关的历史文化、社会条件和学术风格的差异分析,探索信用评价技术发展的规律,寻求我国发展落后的问题与原因,并借鉴西方成功的经验,提出我国信用评价技术健康发展的基本方略。

The status quo and development level of credit evaluation technology in China are not only far lagged behind that in the western countries with developed credit,but also far behind the practical demand of vigorous development of domestic credit construction.By comparing the logic of credit evaluation technology development in China and western countries and analyzing the differences between them in associated history,culture,social conditions and the academic styles,the paper explores the development laws of credit evaluation techniques,seeking the reasons for China＇s development problems,taking the successful experience of the western countries for reference,putting forward basic strategy for a healthy development of China＇s credit evaluation.