本文選題：市場(chǎng)主體 + 信用�。� 參考：《寧波大學(xué)》2017年碩士論文

【摘要】：在我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)的發(fā)展過程中,市場(chǎng)主體信用體系建設(shè)是市場(chǎng)經(jīng)濟(jì)最重要的制度保障之一,信用始終貫穿于整個(gè)市場(chǎng)交易過程,是市場(chǎng)經(jīng)濟(jì)的基石。良好的信用使市場(chǎng)主體具有持久的競(jìng)爭(zhēng)力,而信用缺失將會(huì)引發(fā)一系列問題,降低市場(chǎng)主體信譽(yù),增加交易成本,反過來阻礙市場(chǎng)主體自身的發(fā)展。當(dāng)前我國(guó)對(duì)市場(chǎng)主體信用缺乏有效的監(jiān)管,導(dǎo)致各類失信行為頻發(fā),成為經(jīng)濟(jì)發(fā)展的一顆“定時(shí)炸彈”,時(shí)刻威脅著我國(guó)經(jīng)濟(jì)的平穩(wěn)有序發(fā)展。本文從我國(guó)市場(chǎng)主體信用現(xiàn)狀和已有的治理情況出發(fā),結(jié)合近些年來國(guó)內(nèi)外學(xué)者的研究成果,得出我國(guó)市場(chǎng)主體信用監(jiān)管存在的問題,包括信用業(yè)發(fā)展不平衡、法律法規(guī)不完善、政府監(jiān)管錯(cuò)位、征信制度建設(shè)滯后和數(shù)據(jù)互通和信息標(biāo)準(zhǔn)化缺失等五方面問題,同時(shí)還分析了信用缺失導(dǎo)致的危害以及造成信用缺失的原因。本文借以多中心治理理論探討對(duì)市場(chǎng)主體信用監(jiān)管的新做法,即以政府、市場(chǎng)主體、第三方組織及社會(huì)監(jiān)督等其他力量共同參與、協(xié)同治理,拋棄當(dāng)前政府為主實(shí)行監(jiān)管的模式,以文獻(xiàn)研究、比較研究等方法為主,分析我國(guó)市場(chǎng)主體信用多中心治理的必要性和可行性,分別研究美國(guó)、歐盟、日本為代表的三類不同的信用監(jiān)管發(fā)展過程,借鑒國(guó)外的經(jīng)驗(yàn)教訓(xùn),結(jié)合我國(guó)實(shí)際,提出我國(guó)市場(chǎng)主體信用監(jiān)管的多中心治理對(duì)策,即政府部門要轉(zhuǎn)變角色、統(tǒng)一監(jiān)管部門并建立健全相關(guān)規(guī)章制度,規(guī)范信用相關(guān)機(jī)構(gòu)的服務(wù)、實(shí)行信用分級(jí)制度、加強(qiáng)自我監(jiān)督,改革行業(yè)協(xié)會(huì)制度、促進(jìn)研究機(jī)構(gòu)對(duì)接實(shí)際,引入社會(huì)公眾監(jiān)督和輿論監(jiān)督,培育信用文化等對(duì)策來完善我國(guó)的市場(chǎng)主體信用治理。
[Abstract]:In the course of the development of socialist market economy in our country, the construction of credit system of market subject is one of the most important institutional guarantee of market economy. Credit always runs through the whole market transaction process and is the cornerstone of market economy.Good credit makes the main body of the market have lasting competitiveness, but the lack of credit will lead to a series of problems, reduce the credibility of the main body of the market, increase transaction costs, and in turn hinder the development of the main body of the market itself.At present, the lack of effective supervision on the credit of the market subject in our country leads to the frequent occurrence of various kinds of dishonest behavior, which has become a "time bomb" for economic development and threatens the steady and orderly development of our country's economy at all times.Based on the present situation of credit of market subject and the existing situation of governance in our country, combined with the research results of domestic and foreign scholars in recent years, this paper points out the problems existing in credit supervision of market subject in our country, including the unbalanced development of credit industry.There are five problems, such as imperfect laws and regulations, malposition of government supervision, lag of credit system construction, lack of data exchange and standardization of information, etc. At the same time, the paper also analyzes the harm caused by the lack of credit and the causes of the lack of credit.Based on the theory of multi-center governance, this paper discusses the new methods of credit supervision of market main body, that is, the government, market main body, third party organization and other forces, such as social supervision and so on, participate together and cooperate in governance.By abandoning the current mode of government supervision, focusing on literature research and comparative research, this paper analyzes the necessity and feasibility of multi-center governance of credit among market players in China, and studies the United States and the European Union, respectively.The development process of three different types of credit supervision represented by Japan, using the experience and lessons of foreign countries for reference, combining with the reality of our country, puts forward the multi-center governance countermeasures of credit supervision of market main body in our country, that is, government departments should change their roles.To unify regulatory departments and establish and improve relevant rules and regulations, standardize the services of credit-related institutions, implement credit grading systems, strengthen self-supervision, reform the system of trade associations, and promote research institutions to connect with practice.Introducing social public supervision and public opinion supervision, cultivating credit culture and other countermeasures to improve the credit governance of market subjects in China.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F203

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