论从狭义信用向广义信用的制度变迁——信用、信用经济和信用制度的内涵问题辨析

On the Institutional Change from Narrow Credit to General Credit: An Analysis of the Connotation of Credit, Credit Economy, and Credit System

信用理念产生于人类社会发展的各个时期,广泛存在于现代社会经济的各个领域中,为社会经济活动的顺利进行提供了保障。而广义信用范畴作为一种新的制度安排,随着信息生产力的发展得以确立和完善。通过对广义信用、信用经济、信用管理内涵的界定和梳理,认为信息经济条件下信任关系的发展和进步是信用制度建立的基础,信用制度和信用体系构成了与信息生产力相适应的新型制度核心,未来以信任为基础的信用制度建设将成为社会经济发展的重要方向。

The concept of credit originates in various periods of the social development of the human beings,and exists widely in different fields of modern social economy,providing guarantees for the smooth progress of social economic activities.As a new institutional arrangement,the category of general credit has been established and improved with the development of information productivity.By defining and combing the connotation of general credit,credit economy,and credit management,it is argued that the development and progress of trustworthy relationship is the foundation of establishing credit system under the condition of information economy.Credit system and institution constitute the core of the new type of institution compatible with the information productivity.The construction of credit system based on credit will become an important direction of the social economic development in the future.