构建个人信用机制的理论研究--基于信息经济学的视角  

Theoretical Research on the Construction of Personal Credit Mechanism:From the Perspective of Information Economics

作　　者：张晓冉 Zhang Xiaoran(University of Chinese Academy of Social Sciences,Beijing 102488,China)

机构地区：[1]中国社会科学院大学,北京102488

出　　处：《征信》2020年第5期37-43,共7页Credit Reference

摘　　要：信用信息是个人信用的载体,通过信用机制评价个人信誉的好坏,对个人守信行为实施奖励以及对个人失信行为予以惩罚时,都必须参照相应的信用信息。信息经济学中的道德风险、逆向选择、不完全契约、信息流转效率等,正是构建或运行个人信用机制时,需要解决的主要问题。基于非对称信息、契约和机制设计理论等信息经济学原理,研究如何规范构建个人信用机制。能够在事前通过合理的机制设计,预防由于信息不对称、不完全契约等不确定性因素引发违约风险;并能在运行个人信用机制的过程中,实现激励个人遵守信用行为、提高信息效率的实际效果,以加强个人信用机制的合理性与实践性。Credit information is the carrier of personal credit. When evaluating personal credit through credit mechanism, rewarding individual’s trustworthy behavior and punishing individual’s dishonest behavior, we must refer to the corresponding credit information. Moral hazard, adverse selection, incomplete contract and efficiency of information circulation in information economics are the main problems to be solved when constructing or operating personal credit mechanism. Based on the information economics principles such as asymmetric information, contract and mechanism design theory, this paper studies how to standardize the construction of personal credit mechanism. It can prevent default risk caused by information asymmetry,incomplete contract and other uncertain factors through reasonable mechanism design in advance, and achieve the actual effect of encouraging individuals to adhere to credit behavior and improving information efficiency in the process of running personal credit mechanism, so as to strengthen the rationality and practicality of personal credit mechanism.

关 键 词：个人信用机制 信息经济学 信息不对称 契约理论 

分 类 号：F832.47[经济管理—金融学]