摘要
道德、信任、信用与征信这四个概念被相继引入经济学研究中经历了一个渐进的过程,四者之间存在相辅相成、共同促进、相互影响的作用与反作用的关系。道德规范是形成全社会共同遵守的价值观的基础,信任是除物质资本和人力资本之外决定一个国家经济增长和社会进步的主要社会资本,信用是商业交易的前提,是维系社会经济正常关系的纽带,而征信是对受信人信用状况的一个全面了解和高度概括,据此建立的奖惩机制能为良好的社会信用状态形成打下基础。
It＇s a gradual process that the concepts of morality, trust, credit and credit reporting been introduced in economics. The four concepts are complementary, jointly promotive and interactive to each other. Morality norms form the base of the values that the community commonly complies with. Trust is the main social capital besides material capital and labor capital which consolidate the economic growth and social progress. Credit is the prerequisite of mercantile trade and the key factor to keep the social and economic relationship in a normal region. Credit reporting is a comprehensive summarization of the borrowers＇ credit standing. The reward and punishment mechanism which based on credit reporting also contributes to form a sound social credit condition.
出处
《财经理论与实践》
CSSCI
北大核心
2006年第3期15-21,共7页
The Theory and Practice of Finance and Economics
基金
湖南大学信用研究中心2006年重点研究课题(S06Z70045)
关键词
道德
信任
信用
征信
经济学
Morality
Trust
Credit
Credit Reporting
