信用立法分析及金融业生态环境建设

Credit legislation analysis and financial ecological environment construction

《社会信用体系建设规划纲要(2014——2020)》明确提出了全国社会信用体系建设的原则与目标,并对社会信用体系的建设做出了规划。在金融业,信用是金融业生态环境的一个重要的要素,通过对目前我国信用立法例的梳理,可以看出全国信用在金融业的价值以及与金融业生态环境之间相互促进。而另一方面,从信用的角度来看金融业生态环境及其建设存在着诸多问题,全国社会信用体系尚未全面建设完成,金融活动主体信用意识薄弱、守信激励与失信惩戒机制的缺失等。因此建设金融业生态环境需要完善信用立法,完善信用市场,加大力度建立和完善社会信用体系。

The social credit system construction plan outline（ 2014-2020） clearly puts forward the principle and target of the social credit system construction in our country,and the plans for the construction of social credit system. In the financial industry,credit is an important elements of financial ecological environment,through to the current our country’s credit legislative cases of comb,it can be seen that the value of the credit in the financial industry and financial industry in China to promote each other between the ecological environment. On the other hand,from the point of view of credit finance ecological environment and its construction exists many problems,the construction of social credit system has not yet fully in our country,financial activity main body credit consciousness is weak,and trustworthy,the lack of incentive and disciplinary mechanism. So finance ecological environment construction need to perfect credit legislation,improve the credit market,intensify efforts to establish and perfect the social credit system.