【摘要】：現(xiàn)代市場經(jīng)濟(jì)是一種以信用交易為主的信用經(jīng)濟(jì),信用是市場經(jīng)濟(jì)的基礎(chǔ)和靈魂。當(dāng)前在呼吁誠信、打造誠信社會(huì)的進(jìn)程中,信用問題得到了普遍的關(guān)注。 信用一詞內(nèi)涵豐富,有道德、倫理、經(jīng)濟(jì)、法律多個(gè)層面的含義。正確界定其概念對充分發(fā)揮其在市場經(jīng)濟(jì)中的基礎(chǔ)性作用具有重要的現(xiàn)實(shí)意義。 以信用缺失為主要表征的社會(huì)信用危機(jī)不但增加了市場交易的成本,而且弱化了自由、公平、合理、誠信的市場經(jīng)濟(jì)理念�；诜ㄖ剖切庞玫谋Ｕ�,信用危機(jī)不僅僅是一個(gè)道德問題,也是一個(gè)深層次的法律問題。解決我國目前市場經(jīng)濟(jì)中信用危機(jī)問題,要在建立符合社會(huì)主義市場經(jīng)濟(jì)的道德規(guī)范并堅(jiān)持不懈地進(jìn)行道德教化的同時(shí),通過加大法制建設(shè)力度,強(qiáng)化信用監(jiān)控機(jī)制建設(shè),從根源上鏟除制約信用建設(shè)的法律障礙,構(gòu)建信用保障體系。這是解決信用危機(jī)的治本之策。 本文正是基于此而產(chǎn)生。全文在闡明信用內(nèi)涵的基礎(chǔ)上,分析了我國信用危機(jī)的表現(xiàn)及原因,對制約社會(huì)信用體系建設(shè)的深層次矛盾進(jìn)行了探討。在此基礎(chǔ)上,圍繞構(gòu)建信用法律制度提出了設(shè)想。 全文共分為六部分。 第一章 信用概述。主要闡述信用的基本含義、特征、性質(zhì)、類型等。 信用是自然人、法人及其他組織所具有的履約能力和履約意愿所獲得的信賴程度的社會(huì)評價(jià)。信用為一般民事主體所享有,源于主體的償債能力,表現(xiàn)為對民事主體經(jīng)濟(jì)信賴的社會(huì)評價(jià),其具有道德、經(jīng)濟(jì)、法律、價(jià)值判斷功能。人格性、財(cái)產(chǎn)性和信息性是信用的三個(gè)法律屬性。按照經(jīng)濟(jì)學(xué)理論,信用有個(gè)人信用、商業(yè)信用和國家信用之分。信用對市場經(jīng)濟(jì)的意義亦即信用在市場經(jīng)濟(jì)中的定位和經(jīng)濟(jì)價(jià)值,主要是通過對市場主體和市場交易的作用體現(xiàn)出來。信用是民商法基本原則——誠信原則在經(jīng)濟(jì)活動(dòng)中的基本要求。 第二章 我國信用危機(jī)的表現(xiàn)。圍繞與市場交易最密切相關(guān)的信用形式,本章概括了信用危機(jī)的主要表現(xiàn)及其危害。 第三章 我國信用危機(jī)的原因分析。造成信用缺失的原因,有社會(huì)轉(zhuǎn)型期體制上的矛盾,政策配套和程序協(xié)同運(yùn)作方面存在的問題,傳統(tǒng)的、社會(huì)的、技術(shù)的各種因素也
[Abstract]:Modern market economy is a credit economy based on credit transaction. Credit is the foundation and soul of market economy. At present, in the process of calling for honesty and building honest society, credit problem has been paid more and more attention. The word "credit" is rich in connotation and has the meanings of morality, ethics, economy and law. Correctly defining its concept has important practical significance for giving full play to its basic role in market economy. The social credit crisis, characterized by lack of credit, not only increases the cost of market transaction, but also weakens the market economy concept of freedom, fairness, reasonableness and honesty. Based on the legal system, the credit crisis is not only a moral issue, but also a deep legal issue. To solve the problem of credit crisis in the current market economy of our country, we should, while establishing moral norms in line with the socialist market economy and persistently carrying out moral education, strengthen the construction of credit monitoring mechanism by strengthening the construction of the legal system. Root out the legal obstacles that restrict the credit construction and construct the credit guarantee system. This is the solution to the credit crisis. This paper is based on this. On the basis of clarifying the connotation of credit, this paper analyzes the performance and causes of credit crisis in China, and probes into the deep-seated contradictions that restrict the construction of social credit system. On this basis, the construction of credit legal system is proposed. The full text is divided into six parts. The first chapter is an overview of credit. This paper mainly expounds the basic meaning, characteristics, nature and types of credit. Credit is a social evaluation of the degree of trust acquired by natural persons, legal persons and other organizations in terms of their ability to perform and their willingness to perform. Credit is enjoyed by the general civil subject and originates from the subject's ability to repay debt. It is expressed as the social evaluation of the civil subject's economic trust, which has the functions of moral, economic, legal and value judgment. Personality, property and information are the three legal attributes of credit. According to economic theory, credit has personal credit, commercial credit and national credit. The significance of credit to market economy, that is, the orientation and economic value of credit in market economy, is mainly reflected by the function of market subject and market transaction. Credit is the basic principle of civil and commercial law-the basic requirement of the principle of good faith in economic activities. The second chapter is the performance of China's credit crisis. Focusing on the credit forms most closely related to market transactions, this chapter summarizes the main manifestations of credit crisis and its harm. The third chapter analyzes the causes of China's credit crisis. The reasons for the lack of credit include institutional contradictions in the social transition period, problems in the coordinated operation of policies and procedures, traditional, social and technological factors.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2005
【分類號】：D913

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前1條

1 黃吉安;政府采購供應(yīng)商信用建設(shè)法律問題研究[D];福建師范大學(xué);2012年

，

本文編號：2295140