信用重构与中国大陆的经济发展.PDFVIP

信用重构与中国大陆的经济发展 曹 阳 （华中师范大学经济学） [内容提要] 信用的基本功能是为了克服信息不对称所引致的未来不确定。作为一种制度安 排，信用机制与信用体系具有历史规定性。中国大陆的经济转型转轨进程也是信 用重构的进程。由于市场经济信用机制的建立滞后于市场经济的推进，因此，在 中国大陆经济高速增长的同时，不可避免地会出现一段时期的信用混乱与失范。 这可以解释为什么在信用不良的状况下，中国大陆经济有十分迅速的发展。同时， 有必要区别两种不同性质的信用失范：一是由于计划经济变形而来的行政垄断及 行政干预所导致的信用失范；二是由于市场发育不成熟所导致的信用失范。对中 国大陆经济的可持续发展而言，信用规范确实至关重要。但规范信用的根本不是 要加强政府的强力管制，而是要明确长期稳定的产权关系，并建立与市场经济相 适应的全社会信用甄别与维护机制。 关键词：信用重构 中国大陆 经济发展 [Abstract] The basic function of credit is for avoiding uncertainty caused by the unsymmetrical information. As a kind of arrangement of institution, credit mechanism and system is historically produced. The process of economy transformation in China mainland is also the process of credit rebuilding. Because the building of credit system lags behind the development of market economy, the confusion and out-of-normal of credit mechanism is incredible while the economy has increased rapidly. This can be the reason to explain why Chinese economy can be developed so quickly in the condition of poor credit. Moreover, it is necessary to distinguish the out-of-normal credit by two different qualities: one is caused by the administrative monopoly and administrative intervention; another is caused by the immature market economy. Regulating credit is essential to the sustainable development of China mainland’s economy, however the point is not to increase the government’s power to control, but to clarify a long-lasting and stable property rights relation, and to establish a credit distinguishing and credit protection social system, which will adapts to the market economy. Key words: credit reformation, China mainland, economic development 1 [作者简介] 曹阳，男，1955 年 6 月生于湖北通城；经济学博士，教授，博士生导师，国务 院特殊津贴获得者；现为华中师范大学经济学院院长。 [Author Brief] Cao Yang, male, born in Tongcheng, Hubei, in June 1955; Ph. D in Economics, Professor; De