当前我国信用缺失的原因及对策

Reasons and Countermeasures for China's Credit Lack

当前,信用问题已成为理论界研究的热点。信用缺失严重地破坏了正常的金融经济秩序,已经成为市场经济发展的羁绊。本文根据我国国情,从历史的和现实的、经济的和体制的多方面、深层次的剖析了我国信用缺失的原因,并且对症下药,进一步提出了信用制度建设是一项系统工程,既依赖于社会信用文化的培育、市场信用意识的强化、又依赖于政府职能的转变、现代企业制度的建立和商业银行内控管理水平的提高等对策建议。

At present, credit issue has already become the focus in the circle of theory. Credit lack has seriously broken the normal financial economic order and has become the fetters of development of marketing economy. On the basis of the national conditions, this article dissects the reasons of China's credit lack in many ways. At the same time, it proposes further that construction of credit system is a system engineering and puts forward some countermeasures.