浅谈防范金融风险过程中社会信用的建立

ON THE ESTABLISHMENT OF SOCIAL CREDIT IN BEEPING LOOKOUT OF FINANCIAL RISK

市场经济是信用经济,社会信用制度的建设直接关系到社会经济秩序和金融的安全性。而我国自建国以来信用缺失现象严重,从人们的信用观念淡漠,到金融机构的不正当竞争,再到社会自律机制、信用监督机制、法律约束机制不健全,给整个金融体系带来了很大的金融风险。因此,如何树立信用观念,加大产权制度改革的力度,规范金融机构的行为,通过一系列规章制度的建设形成有效的信用约束机制,成为现阶段我国建立社会信用,防范金融风险的首要任务。

The market economy is a king of credit economy. The building of the social credit institution is related to the order of the social economy and the security of social finance. But since we built our new country, the phenomenon of losing credit has been so serious that it has taken much financial risk to the financial system. So how to establish the sense of credit, how to enhance the degree of the property rights' reform and how to standardize the action of the financial organizations have become the primary tasks of building the social credit and keeping lookout of financial risk.