重大突发公共卫生事件冲击下的信用救助机制构建研究——以新冠肺炎疫情为例

Research on the Construction of Credit Assistance Mechanism Under the Impact of Major Public Health Emergencies—— Taking the COVID-19 as an Example

重大突发公共卫生事件对国民经济产生重要冲击,影响微观主体实际收入,引发信用违约问题。信用救助是信用治理的重要内容和社会监管的重要方式,是实现国家治理体系和治理能力现代化的重要手段。重大突发公共卫生事件冲击导致的信用违约危害企业和个人的信用资本,进而影响宏观经济复苏,应建立以信用保护、信用支持、信用促进和信用修复机制为内容的信用救助机制体系;同时,要将信用救助纳入法制化、制度化、信息化、意识化等常态管理,构建信用救助辅助机制。

Major public health emergencies have an important impact on the national economy,affect the real income of micro subjects,and lead to the problem of credit default. Credit assistance is an important content of credit governance and an important way of social supervision,and an important means to realize the modernization of national governance system and governance capacity. The credit default caused by the impact of major public health emergencies harms the credit capital of enterprises and individuals,and then affects the recovery of macro-economy. We should establish a credit assistance mechanism system with the contents of credit protection,credit support, credit promotion and credit repair. At the same time,we should bring credit assistance into the normal management of legalization,institutionalization,informatization and awareness,and build the auxiliary mechanism of credit assistance.