构建我国信用体系的多方位思考

System in China:A Multi-Dimension Consideration

当前 ,信用缺失、信用制度、信用风险模型、信用法律体系、征信等问题已成为理论界研究的热点。但是 ,同国外 15 0多年信用经济历史相比 ,我国 6年的经历太短暂 ;同国外进入信用经济时人均GDP2 0 0 0美元相比 ,我国 849美元的经济基础非常脆弱。在此状况下 ,换位思考 ,强调我国转轨经济条件下建立信用体系的长期性、艰巨性和复杂性 ,是作者撰写此文的初衷。

At present, credit absence, credit system, credit-risk model, legal system of credit, and credit inspection are hottest topics in academia. However, as compared with more than 150-year-history of credit economy in foreign countries, six-year-time of credit economy in China is too short. When foreign countries stepped into credit economy, their GDP per capita was about US$ 2000. The economic base of China with only GDP per capita of US$ 849 is very fragile. Under this situation, we should think in the place of foreigners and emphasize that to establish credit system in the Chinese transitional economy is a long, arduous, and complex job. And this is the reason that the author decided to write this article.