现代经济社会的信用风险及其规避——基于马克思信用理论的视角

Credit Risks and it's Avoidance in Modern Society——Based on Marx's Credit Theory

在经济社会发展的同时,信用风险也在与日俱增。基于马克思信用理论的视角,根据信用风险发生的领域,可以将其分为商业信用风险、银行信用风险和货币信用风险三大类型。诸如美国次贷危机、欧洲债务危机和中国温州现象等信用风险的频发,迫切需要人们审视经济社会的发展,探讨信用风险的规避。只有让市场在资源配置中起决定性作用,只有建立健全风险监管机制,只有培育出良好的信用环境,才能有效规避各类信用风险,才能提高抵御国际金融风险能力。

With the development of economic and social, credit risks also grow with each passing day. According to the field of Marx＇s credit theory, credit risks can be divided into commercial credit risk, bank credit risk and currency credit risk. Facing such as the United States subprime mortgage crisis, the European debt crisis and China Wenzhou phe- nomenon, it is urgent for people to scan the development of economy and society, avoid credit risk. We can effectively avoid all kinds of credit risk and improve the ability to strengthen our ability to withstand risks when the market is continuously perfect, the risk management mechanism is set up, a good credit environment is fostered.