【作者】 刘映霞；

【导师】 许珞华；

【作者基本信息】 武汉大学 ， 马克思主义理论与思想政治教育， 2004， 硕士

【摘要】 现代市场经济从一定意义上说是信用经济。市场经济愈发达就愈要求诚实守信。随着我国社会主义市场经济的逐步确立，由于不同市场主体存在利益最大化倾向，在现实经济生活中产生了大量的失信、违信等反信用现象，严重影响了我国经济的健康发展。为了约束市场交易中的无信行为，使各个经济主体在经济活动与交易中，自觉塑造自己的信用形象以及与交易方的信用关系，规范市场秩序，必须建立健全信用制度，从而保障我国市场经济的健康、有序发展。本文力图借鉴西方经济理论和实践中的合理因素，运用理论与实践相结合、综合和个案相结合的方法，从信用的经济意义的角度，对如何建设我国社会主义市场经济条件下的信用制度进行了分析和探讨。 全文分为三部分，第一部分着重分析了信用与市场经济的关系，笔者认为信用作为一种伦理规范，反映在经济行为中，具有特定的经济意义，并随着商品经济的发展，成为反映商品货币关系的经济范畴，它本身也是一种资源，是保障市场经济有序发展的重要因素。第二部分剖析了在转轨时期，经济领域出现的无信行为，给我国经济发展带来很大危害，其形成有历史的原因，也有思想文化上、管理上的原因，信用制度不健全则是信用缺失的主要原因。基于此，第三部分笔者认为应结合我国市场经济现实情况和吸收西方先进经验，着重从产权制度改革、完善政府的信用监督和管理、信用评估体系的建立、法治建设、思想道德建设五个方面全方位地建立健全我国社会主义信用制度。更多还原

【Abstract】 To some extent, modern market economy is credit economy. And the more advanced the market-oriented economy is, the higher the demand for honesty and credit in the economic life. With the gradual establishment of the socialist market-oriented economy in our country, there comes up the tendency that various subjects of market try all means to maximize their profits, which accounts for the emergence of a great number of instances that violate the rule of credit in our economic life and thus exert harmful influences on the healthy development of the economy. Therefore, there exists the necessity of establishing and perfecting the credit system in our country so as to restrain the violation of the rule of credit in market transaction, to make every economic subject voluntarily project an credible image and assume an credible relation with its partners in the economic activities and transactions, to regulate the market order, and furthermore to guarantee the healthy and orderly development of the market economy in our country.This paper attempts to learn from the theories and practices of western economy the rational factors, and to make an analysis and exploration of how to build a credit system suitable to our socialist market-oriented economy from the perspective of the economic significance of credit and using the method of combining theory and practice, synthesis and analysis together.The whole paper is divided into three parts. The first part focuses on the analysis of the relation between credit and market economy. In this part, the author holds that credit, as a moral regulation, takes on a specific economic significance when reflected in economic behaviors and becomes an economic category reflecting the commodity-money relationship with the development of commodity economy and that credit itself is a kind of resources and an important factor in the orderly development of the market economy. In the second part, the author analyzes the harmful influences on the economic development due to the lack of credit in the economic life and the historical, ideological and cultural elements and the problems in management all of which contribute to the lack of credit in our economic life and among which the defectiveness of the credit system proves to be the major cause of the problem. Based on the points made in the second part, in the third part, the author contends that we should combine the real conditions of market economy in our country with the advanced western experiences and manage to establish and perfect the socialist credit system from five aspects which are the reform of the system of property rights, the improvement of the credit supervision and management of the administration, the establishment of the system of credit assessment, the building of the legal system and the ideological and ethical building.更多还原