从信用监管迈向信用治理:机制、类型与边界

From Credit Supervision to Credit Governance:Mechanism,Type and Boundary

信用机制广泛存在于在商品经济领域。从本质上讲,它是一种声誉机制,具有不平等属性,在社会不同领域信用评价的重点不同。信用机制有信用自治、信用监管和信用管理三种类型,其特征和适用领域有所不同。当前,我国信用体系以信用监管机制为主导,存在施行领域过宽,挤压信用自治机制发育空间,治理简单化等问题。有必要从信用监管转向信用治理,使各种信用机制在其适当领域发挥作用。为此,要适当厘定不同机制的相对边界和重心,并借鉴有益的监管理念引领信用监管发展方向。

Credit mechanism develops in the process of commodity economy.In essence,it is a reputation mechanism with unequal attributes,and the emphasis of credit evaluation is different in different fields of society.There are three types of credit mechanism:credit autonomy,credit regulation and credit managementmechanism,which have different characteristics and applicable fields.At present,China's credit system is dominated by credit regulation mechanism,and there are some problems such as too wide implementation field,squeezing the development space of credit autonomy mechanism,and simplifying governance.It is necessary to shift from credit regulation to credit governance so that various credit mechanisms can function in their appropriate areas.Therefore,the relative boundary and focus of different mechanisms should be properly determined,and the beneficial regulation concept should be used to guide the development direction of credit regulationmechanism.