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CREDIT REFERENCE
2015年
4期
36-39
,共4页
信用信息%失信成本%信用缺失%失信难题
信用信息%失信成本%信用缺失%失信難題
신용신식%실신성본%신용결실%실신난제
credit information%cost of discredit%lack of credit%discredit problems
当前我国经济活动中的预期失信成本小于真实失信成本，更小于理性失信成本，致使信用缺失现象在我国较为普遍，经济主体的失信行为已严重影响到社会经济的发展。信用复合价值的特点决定了其在经济活动中的重要性。通过分析信息与信用的关系、失信成本与信用的关系可以发现，应从增大失信成本入手，使经济主体共享信用信息，并依靠市场、政府和协会的联动来破解失信难题。
噹前我國經濟活動中的預期失信成本小于真實失信成本，更小于理性失信成本，緻使信用缺失現象在我國較為普遍，經濟主體的失信行為已嚴重影響到社會經濟的髮展。信用複閤價值的特點決定瞭其在經濟活動中的重要性。通過分析信息與信用的關繫、失信成本與信用的關繫可以髮現，應從增大失信成本入手，使經濟主體共享信用信息，併依靠市場、政府和協會的聯動來破解失信難題。
당전아국경제활동중적예기실신성본소우진실실신성본，경소우이성실신성본，치사신용결실현상재아국교위보편，경제주체적실신행위이엄중영향도사회경제적발전。신용복합개치적특점결정료기재경제활동중적중요성。통과분석신식여신용적관계、실신성본여신용적관계가이발현，응종증대실신성본입수，사경제주체공향신용신식，병의고시장、정부화협회적련동래파해실신난제。
The expected cost of discredit in China’s current economic activities is less than the true cost of discred-it, and even less than the rational cost of discredit, resulting in the lack of credit to be a common phenomenon in China; and the discredit behavior of economic subjects has seriously affected the development of social economy. The composite value feature of credit determines its importance in economic activities.By analyzing the relationships between information and credit, between the cost of discredit and credit, it can be found that it’s necessary to make economic subjects share credit information by increasing the cost of discredit, and to solve discredit problems by rel-ying on the market, the government and the association.
