信用起源的基本理论——信用的基本问题研究系列之二  

Fundamental Theory of Credit Origin ——One of Series of Research on Basic Issues for Credit(II)

作　　者：王建红[1,2] 

机构地区：[1]华北电力大学政教部,河北保定071003 [2]华北电力大学金融与信用研究所,河北保定071003

出　　处：《征信》2014年第4期9-15,共7页Credit Reference

基　　金：2012年度河北省高等学校人文社会科学研究项目(SZ124020);中央高校基本科研业务费专项资金项目(11MR61)

摘　　要：经济学将信用起源等同于借贷起源,这种认识已经不再符合现代信用实践和理论发展的实际。在复杂性及其简化理论基础上,对信用起源进行新的考察后发现:交换具有复杂性;为了应对交换的复杂性,在远古时期的社会性动物和原始人类中便逐渐产生出信任,作为复杂性的简化机制;随着交换及其信任简化机制的演进,信用最终得以从交换中产生。具体而言,一般信用起源于人类的礼物交换,而经济信用起源于早期的商品交换。Credit origin is considered to the same as loan origin in economics,which has no longer confirmed to the real development of modern credit practices and theories. Based on the theories of complexity and simplified mechanism,it＇s found in this paper with a study on the credit origin that： an exchange is of complexity; to cope with the complexity of the exchange,trust gradually emerged as a simplified mechanism for complexity in the original social animals and humans during ancient times; with the evolution of exchange and simplified mechanism for trust,credit came out from exchange in the end. Specifically,the general credit originated in the human gift exchange,and economic credit originated in the early exchange of commodities.

关 键 词：信用起源 交换 复杂性 简化机制 

分 类 号：F832.4[经济管理—金融学] F224