机制设计视角的信用风险治理分析

Analysis of mechanism design angle's credit risk governance

商品交换中的信用风险是制约经济发展的顽症。通过对阿里巴巴经营分析发现:阿里巴巴的"支付宝"系统满足科学机制设计的条件,在现代虚拟的网络经济环境中,信用风险不仅没有被放大,反而被极大的抑制住了,这是平台型电商---阿里巴巴成功的秘诀,也是阿里巴巴与其他电商的显著区别。

The credit risk of commodities exchange is a stubborn disease of restricting social and economic development. Through analyzing Alibaba business, this paper finds that Alibaba management mechanism is sci- entific. In the modern virtual network economic envi- ronment, credit risk has not been enlarged, but was greatly restrained. This is the advantage of platform type electric business. It is also the essential dif- ference with other business.