社会信用环境治理与信用卡安全  

Social Credit Environment Govemance and Credit Card Security

作　　者：李樱杕[1] 张彩玲[2] 

机构地区：[1]广东警官学院侦查系,广东广州510232 [2]东北财经大学马克思主义学院,辽宁大连116025

出　　处：《财经问题研究》2012年第12期75-80,共6页Research On Financial and Economic Issues

基　　金：公安部公安理论及软科学资助项目"信用卡犯罪的社会信用环境分析与长效打击机制研究"(088LLYJGDST036)

摘　　要：信用卡市场具有信贷信息不对称特征,潜在信用风险与欺诈风险。信用卡安全问题引发了一系列金融、经济风险。社会信用环境劣化在实践中加剧了二者关联效应。治理之策在于:以金融信用立法体系化、规范化为目标,构建金融信用环境正式制度框架;以金融信用信息市场统一化为导向,确立信用信息资源交易与传递机制;以信用意识行为化、信用行为常规化为宗旨,改善社会信用非正式制度环境。The credit card market is characterized by asymmetric credit information, which creates potential credit risks and fraud risks. Thus the issue of credit card security may lead to a series of financial and economic risks. The degenerating social credit en- vironment will intensify the relevance effect between the two in practice. The measures for management are as follows： build a formal system framework of the financial credit environment by systematizing and standardizing legislation in the financial credit field; establish a transaction and transmission mechanism of credit information and resources oriented by the unified financial credit information market; reshape an informal system environment of social credit aiming at applying the credit awareness in behavior and regularizing the credit behavior.

关 键 词：信用卡 社会信用环境 信用治理 

分 类 号：F830.589[经济管理—金融学]