我国信用缺失浅析

A Brief Analysis of the Lack of Credit in Our Country

市场经济就是信用经济。近年来我国信用缺失现象严重扰乱了正常市场经济秩序,造成了社会资源的极大浪费,恶化了投资环境,加剧了金融风险,影响了现代企业制度的建立,不利于市场经济的持续发展和政府的宏观调控。造成信用缺失的原因是多方面的,包括信用观念淡薄、法制不健全、地方保护主义盛行以及政府职能“缺位”和“越位”并存等。治理信用缺失应从加强宣传教育、加强法治建设、深化体制改革和建立社会化的信用管理体系等方面着手。

Market economy is credit economy. In recent years the lack of credit in our country has severely disturbed the normal order of the market, causing a great waste of social resources, aggravating investing environment, increasing the financial risks, thus obstructing the establishment of the modern enterprise system and the stainable development of market economy and the governmental macro control. The causes leading to this include the lack of credit conscience, the unsound legal system, prevalence of local protectionism and the existence of the offside and defect in the governmental function. We should take intensive education, law building, furthering system reform and establishing socialized credit management system as countermeasures against the lack of credit.