金融信用制度的建立和完善  

The Establishment and Perfection of Financial Credit System

作　　者：张灵强[1] 张宇润[2] 

机构地区：[1]青岛大学法学院,山东青岛266071 [2]安徽大学法学院,安徽合肥230039

出　　处：《河北法学》2004年第9期23-28,共6页Hebei Law Science

摘　　要：金融市场的基础是信用 ,没有一个完善的信用体系 ,不可能建立完善的金融链条。评价信用应使用一种综合评价标准 ,而不是局限于某一具体的行为或财产清偿能力 ,必须综合考虑财产、客观行为、主观诚信以及法律条件等各种因素。我国目前金融信用状况比较糟糕 ,必须加强金融信用制度建设。金融信用制度建设是一个系统工程 ,其核心制度主要包括征信制度、信用评级制度和信用管理体系。对金融信用的规制还需要外部调控、约束和管理制度 ,通常是政府和自律组织为了防止失信行为泛滥、信用市场的无序竞争和不正当竞争而进行的调控、监督和管理制度。The basis of financial market is credit.We couldn't establish a perfect chain if there is not a perfect credit system.We appraise credit that we shouldn't be limited a kind of behavior or compensation,we must think over properties,objective behaviors and subjective honesty and so on with a integrity judgment.We must strengthen to establish in the credit system since our financial statement is not good enough at present.Financial credit system is a systematical project,its core system includes acquisition credit,judgment credit and administration credit system.It needs a exterior adjusted,consrained and administrated system,namely the government and self-disciplined organization usually construct a adjusted,supervised,administrated system for preventing non-credit,out-of-order competition and unreasonable competition.

关 键 词：金融信用制度 金融市场 系统工程 信用评价 金融法 

分 类 号：D912.28[政治法律—民商法学]