透过信用缺失现状管窥金融生态环境的优化路径

A Glimpse of the Optimized Path for Financial Ecological Environment with Insight into Lack of Credit

基于银行、证券、保险等行业信用缺失的现状,分析整个金融行业信用缺失产生的原因,从营造信用文化、优化信息资源、强化制度约束、规范信用中介机构等方面提出优化金融生态环境的有效路径。

Based on the lack of credit in banking, securities and insurance industries in China, the paper made an analysis on the causes for lack of credit in the whole financial industry. Then, it proposed the optimized path for fi- nancial ecological environment from the perspectives of creating credit culture, optimizing information resources, strengthening institutional constraints, regulating credit intermediaries, etc.