信用问题的制度基础分析

信用制度是指信用规范与规则的制度化,它是由社会认可的非正式约束、国家规定的正式约束和实施机制所构成的。尽管从各国的信用制度实践情况来看,诱致性制度变迁和强制性制度变迁似乎各有轨迹,但总体上,信用制度都遵循共同的变迁轨迹,只不过由于各国历史和经济基础的不同,在每个国家的不同历史阶段发展状况也就有所侧重。信用制度也有其供给和需求,并且在社会领域中也发挥着重要的作用,对其研究不仅在理论上极其必要,在我国实践领域也具有极强的现实意义。

An Analysis of Credit System Basis

Credit system refers to the system of credit criterion, which consists of formal restriction by govermental rules, informal restriction by social permission and the implement of credit system. Though from practices of different countries the cause path and force path seem to have their own ways, credit system has identical developing path as a whole. Because of different economic foundation and history, the emphases during each stage in every country are also different. Credit system has also the supply and demand factor, and it really works in social field. So its study is not only important theoretically, but also practically.