经济理论与经济管理
經濟理論與經濟管理
경제이론여경제관리
Economic Theory and Business Management
2011年
11期
68~77
,共null页
公共征信 政府干预 金融结构 金融危机
公共徵信 政府榦預 金融結構 金融危機
공공정신 정부간예 금융결구 금융위궤
public credit institutions; government intervention; financing structure; financial crisis
征信机构是重要的金融基础设施。结合若干经济现象与经济理论，本文研究表明，对于原生的建立机制而言，后工业化背景下的政府干预是一国建立公共征信机构的供给因素；金融体系的银行主导型特征为需求因素；而爆发重大经济、金融问题则是建立公共征信机构的触发点。公共征信机构是否与私营征信机构并存则主要取决于二者在市场定位、功能定位上的差异程度。当前中国坚持公共征信机构为主导的征信模式有其经济上的必然性、合理性。
徵信機構是重要的金融基礎設施。結閤若榦經濟現象與經濟理論，本文研究錶明，對于原生的建立機製而言，後工業化揹景下的政府榦預是一國建立公共徵信機構的供給因素；金融體繫的銀行主導型特徵為需求因素；而爆髮重大經濟、金融問題則是建立公共徵信機構的觸髮點。公共徵信機構是否與私營徵信機構併存則主要取決于二者在市場定位、功能定位上的差異程度。噹前中國堅持公共徵信機構為主導的徵信模式有其經濟上的必然性、閤理性。
정신궤구시중요적금융기출설시。결합약간경제현상여경제이론，본문연구표명，대우원생적건립궤제이언，후공업화배경하적정부간예시일국건립공공정신궤구적공급인소；금융체계적은행주도형특정위수구인소；이폭발중대경제、금융문제칙시건립공공정신궤구적촉발점。공공정신궤구시부여사영정신궤구병존칙주요취결우이자재시장정위、공능정위상적차이정도。당전중국견지공공정신궤구위주도적정신모식유기경제상적필연성、합이성。
Credit institutions are important financial infrastructure. Based on certain economic phenomena and theory, this study indicated that the government intervention was the supply factor to establish public credit institutions in post-industrialization period, whereas bank-oriented financial system was the demand factor. Financial crisis was the trigger point to build public credit institutions. Whether public credit institutions could coexist with private credit institutions was determined by the difference of their market localization and functional localization. The system dominated by public credit institutions was economically rational and necessary in Chinese market.
