破解失信难题的对策分析——基于信用与信息、失信成本关系视角  

Analysis on the Solutions to Discredit Problems——A Perspective of the Relationship between Credit and Information & Cost of Discredit

作　　者：董树功[1] 杨峙林[2] 

机构地区：[1]天津职业技术师范大学经济与管理学院,天津300222 [2]中国人民银行天津分行营业管理部,天津300457

出　　处：《征信》2015年第4期36-39,共4页Credit Reference

基　　金：天津市2013年度哲学社会科学规划课题(TTYY13-024)

摘　　要：当前我国经济活动中的预期失信成本小于真实失信成本,更小于理性失信成本,致使信用缺失现象在我国较为普遍,经济主体的失信行为已严重影响到社会经济的发展。信用复合价值的特点决定了其在经济活动中的重要性。通过分析信息与信用的关系、失信成本与信用的关系可以发现,应从增大失信成本入手,使经济主体共享信用信息,并依靠市场、政府和协会的联动来破解失信难题。The expected cost of discredit in China’s current economic activities is less than the true cost of discred-it, and even less than the rational cost of discredit, resulting in the lack of credit to be a common phenomenon in China; and the discredit behavior of economic subjects has seriously affected the development of social economy. The composite value feature of credit determines its importance in economic activities.By analyzing the relationships between information and credit, between the cost of discredit and credit, it can be found that it’s necessary to make economic subjects share credit information by increasing the cost of discredit, and to solve discredit problems by rel-ying on the market, the government and the association.

关 键 词：信用信息 失信成本 信用缺失 失信难题 

分 类 号：F820.4[经济管理—财政学] F490.5