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论信用的市场维度
王, 淑芹 Wang, Shuqin
王, 淑芹
Wang, Shuqin
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论信用的市场维度.pdf
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Abstract in Chinese: 信用是市场经济的有效资本，它具有提高市场效率、维护市场秩序、促进市场发展的功效。在市场效率维度中，它具有三大作用，即节约交易成本、节省流通费用、扣紧资金流动链条，其中交易成本的节约是通过减少交易前的搜索费用、避免“过分挑剔”的边际成本的发生、降低契约风险、俭省监督成本和交易纠纷费用而实现的。在市场秩序的维度中，信用是“重复博弈”行为类型形成的基本要件，它能够消解逆向选择和规避道德风险。在市场发展维度中，信用的预支性和信用结算方式的快捷性能够扩展市场的规模和加速市场的交易速度；信用管理能够促进市场发育；法律信用和伦理信用是衡量一个国家或地区市场发育度的重要指标，也是考证和区分发达市场经济国家发展程度的标尺。Abstract in English: As the efficient capital of market economy, credit can improve market efficiency, safeguard market order, and promote market development. In the dimension of market efficiency, credit plays three important roles：reducing trade costs, saving circulation expenses and fastening capital circulation chain. Moreover, trade costs is saved through the means of reducing searching expenses before trade, avoiding marginal costs of excessive choice, lowering contract hazard and reducing both supervision costs and contract dispute expenses. Credit, as the basic factor forming the pattern of duplicated game behavior, can clear up inverse choice and evade moral hazards. Advanced charges and quick settlement pattern of credit can expand market scale and accelerate market trade speed in the field of market development. Credit management can advance market development. Law credit and ethic credit are taken as not only indexes to measure a country’s market development degree, but also criterions of development level to check and distinguish between well-developed market economy countries. [pp.151-152]
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2016
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Creative Commons Attribution-NonCommercial-NoDerivs (CC-BY-NC-ND 2.5; see https://creativecommons.org/licenses/by-nc-nd/2.5/legalcode)