资金融通中的信用构建与反思  

Credit Construction in Financing

作　　者：刘勇[1] LIU Yong

机构地区：[1]中国人民银行四平市中心支行,吉林四平136000

出　　处：《吉林金融研究》2022年第5期67-70,共4页Journal of Jilin Financial Research

摘　　要：资金融通的交易是一个信用交易。现代信用构建主要体现在三个方面,也就是信用构建的三要素,即:道德、制度、技术。道德维系是信用构建的基础,制度是对道德的超越,技术使信用行为能够在制度框架内实现精准的约束。这种情况下,制度也可以看做是介于伦理与科学之间的纽带。因此,信用体系建设是不能单纯的靠提升某一领域来实现的,必须要道德、制度、技术协调共进。The financial transaction is a credit transaction.Modern credit construction is mainly embodied in three aspects,which is also the three elements of credit construction,namely:morality,system,and technology.Moral maintenance is the basis of credit construction,system is the transcendence of morality,and technology enables credit behavior to be precisely constrained within the framework of the system.In this case,the system can also be seen as a link between ethics and science.Therefore,the construction of credit system cannot be achieved by simply improving a certain field,it requires the common progress of ethics,systems,and technology.

关 键 词：资金融通 信用构建 道德 制度 

分 类 号：F830[经济管理—金融学]