信用规范的第三形态研究——基于信用学的视野  

Research on the Third Form of Credit Norms:A Perspective of Credit Science

作　　者：周荣华 Zhou Ronghua(Jiangsu Research Institute of Economic System Reform,Nanjing 210013,Jiangsu,China)

机构地区：[1]江苏省经济体制改革研究会,江苏南京210013

出　　处：《征信》2024年第5期13-21,共9页Credit Reference

摘　　要：信用规范具有道德、法律和信用管理等多种形态。信用管理中的信用规范可简称为信管信用或信管规范,它是与道德信用、法律信用相区别的信用规范的第三形态。信管信用伴随着信用关系的产生而产生、发展而发展,是在与道德信用和法律信用的相互作用、相互补充中协同发展的,具有现实必然性。在对信用行为的调节中,信管信用在调节范围、调节力量、评价取向、惩戒措施和责任属性等方面均具有自身特征;信管信用还拥有自身的存在方式,拥有特定的类型划分,在各信用领域拥有不同的表现形式。信管信用的现实必然性、自身特征以及特定的存在方式是其得以成为信用规范独立形态的依据,也是信用学信用规范理论需要论述的基本内容。Credit norms have many forms such as ethics,law and management.Credit norms in credit management can be referred to as credit management credit or credit management norms,which is the third form of credit norms that are distinguished from moral credit and legal credit.It arises and develops with the emergence and development of credit relationship,develops collaboratively in the interaction and complementarity of moral credit and legal credit,and has practical inevitability.In regulating credit behavior,credit management credit has its own characteristics in terms of regulatory scope,regulatory power,evaluation orientation,disciplinary measures,and responsibility attributes;It also has its own way of existence,with specific types of classification,and different manifestations in various credit fields.Its practical inevitability,inherent characteristics,and specific mode of existence are the basis for the independent form of credit norms,and the basic content of credit norms theory in credit science.

关 键 词：信用规范 道德信用 法律信用 信管信用 信用学 

分 类 号：F832.4[经济管理—金融学]