我国市场经济信用制度探析

Analysis of Credit System in the Market Economy of China

现代市场经济条件下的信用,是维系和约束经济主体之间特定权利义务关系的,反映经济主体对未来预期的信任和安全心理,具有资本价值的一种理念和行为准则。我国目前市场经济信用制度的缺失,主要体现在构成该制度的正式约束、非正式约束和实施机制三个方面。完善信用制度,应从消除信息不对称、健全法律法规、树立信用理念和健全实施机制等方面进行探索和实践。

Credit in the modern market economy is to maintain and restrain the relationship of particular rights and duties among economic subjects and to reflect trust and security consideration of the economic subject to their anticipation of the future,which also reveals the concept of capital value and certain behavioural patterns.Absence of credit system in the market economy in our country is mainly seen in its three major components:formal regulation,informal regulation and implementation mechanism.To perfect credit system,many aspects should be explored and practised:dispelling unsysmmetric information,strenghtening laws and regulations,establishing credit idea and improving implementation mechanism.