信用发展的基本规律——信用的基本问题研究系列之三  

Basic Principle of Credit Development——One of Series of Research on Basic Issues for Credit( Ⅲ)

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5期9-16,共8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：信用发展演变的基本规律是一个尚待充分认识的规律,分析货币发展演变的历史材料就可以发现这一规律。通过依次分析考察早期货币发展演变中的信用规律、古代金属铸币发展演变中的信用规律和纸币发展演变中的信用规律,最终发现并验证了信用发展的基本规律:随着交换的深入发展,人们为了减少交换的复杂性,会逐渐寻找使信任基础的形成和信任效用的衡量简单化、统一化、标准化的手段。换言之,随着经济社会的发展,信用的载体和形式会变得越来越简单化、统一化、标准化。The basic principle of credit evolution is a principle that awaits to be fully understood, which can befound after the analysis on the historical evolution materials of monetary development. By sequential analysis and ex-amination made over credit principles in the evolution of the early monetary development, ancient metal coins andbanknotes, the basic credit principle is eventually discovered and proven ： with the deep development of exchange,in order to reduce the complexity of the exchange, people will gradually look for the simplified, unified, standard-ized means to establish trust base and to measure trust efficacy . In other words, with the development of economyand society, the carriers and forms of credit will become increasingly simplified, unified, and standardized.

关 键 词：信用 发展 基本规律 

分 类 号：F832.4[经济管理—金融学]