信用本质的两种观点:基于卢曼的信任理论  

Two Viewpoints about Credit Essence: Based on Luhmann's Theory of Trust

作　　者：王建红[1] 张娜[2] 

机构地区：[1]华北电力大学,河北保定071003 [2]河北大学,河北保定071002

出　　处：《征信》2013年第11期7-12,共6页Credit Reference

基　　金：河北省教育厅社科研究项目(SZ2010507);"中央高校基本科研业务费专项资金"资助项目(11MR61)

摘　　要：信用的本质问题是信用理论的最基本问题,至今却没有得到充分的论述。由于信任是信用的基础,研究信用的本质可以从信任入手。根据卢曼的信任理论发现,信任由复杂性简化机制和回报二因素构成。沿着信任二因素的路径前进可以发现对信用本质的两种认识:一是信用是信任的转化,是信任和信任效用的合体,即"信任之效用";二是信用是商品交换复杂性的简化机制,是对商品交换中存在的各种复杂信息进行综合决策时的简化机制。The nature of credit is the fundamental issue for credit theory, but has not yet been fully discussed. Be- cause trust is the basis for credit, research on the nature of credit can start from the trust. According to Luhmann~ theory of trust, trust consists of two factors, i.e. complexity - simplifying mechanism and rewards. Along the path toward two factors of trust, two ideas can be found in understanding the nature of credit ： first, credit is the conver- sion of trust, that is the combination of trust and trust utility; second, credit is the simplifying mechanism for the eomplexity of commodity exchange, that is a simplifying mechanism for integrated deeision- making about various complex information in the presence of commodity exchange.

关 键 词：信用本质 信任转化 复杂性简化机制 

分 类 号：F820.4[经济管理—财政学] C912.3[社会学]