关于我国信用问题的若干思考

信用是市场秩序扩展及深化的产物,与经济发展水平正相关.横向比较,缺乏信用的问题在任何国家或地区都程度不一地存在着.从中国社会经济发展的演进来看,传统社会中的诚信具有空间和行使对象等方面的高度有限性,这种"高"信用水平恰恰是市场空间有限、市场发育程度低、经济不发达的主要表现之一;在计划经济体制下,经济领域中的高信用程度与个人选择集合和市场交易的空间狭小、不诚信无利可图、官方意识形态等密切相关,而如果放眼整个社会,尤其是政治领域,就会发现种种不讲信用的现象.认为中国改革开放以来信用水平比过去低的观点是站不住脚的,眼下的信用问题不是体制改革和市场经济发展引致的,相反,它恰是市场经济体制不完善的表现.

An Analysis of the Domestic Credit Issue

Credit comes from the extending and deepening of the order of market,which have the same tendency with the development of economy.Comparatively,the lack of credit exists in any country or area in different level.With a view to the process of the development of domestic economy,credit in traditional society has a considerable limitation in executive space and target, which reflects the fact of our finite market space,the immature market and the undeveloped economy system.In planned economic system,it has a close relationship between credit and the situations such as the limited individual choices,finite space of market,no profit without credit and the official ideology.And with respect to the whole society especially the political area,there are also many sorts of deceitful phenomenon.It is not correct that we have had a lower level of credit since the reform and open-door policy.The problems of credit at present are not caused by the system reform and the development of market economy,but are the reflection of the imperfect market-oriented economic system.