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在中国目前的经济转型过程中,我国不仅面临着“市场失灵”和“政府失灵”问题,而且还面临着日益严峻的第三配置失效问题,其突出表现就是日益严重的信用失效问题。面对中国经济转型过程中出现的信用失效问题,各界人士见仁见智,但至今仍未对信用失效的根源做出一个科学的、辨证的、合理的、令人满意的解释,且信用治理效果也至今仍不理想。中国经济转型中第三配置失效的真正根源是:我国“信用主体的缺陷——信用客体即信用合同的非真正契约化或契约的不完全性——信用载体即信用环境约束软化”相互影响、相互制约、共同作用所构成的一个低质态的、低效率的三位一体式信用运行体系。
In the current economic transformation in China, our country not only faces the problems of “market failure ” and “government failure ”, but also faces the increasingly serious problem of the third configuration failure. Its outstanding performance is the increasingly serious credit failure problem. In the face of the problem of credit failure in the process of China’s economic restructuring, people from all walks of life have different opinions, but so far they have not made a scientific, dialectical, reasonable and satisfactory explanation of the root causes of credit failures, and their credit management effects have up to now Still not ideal. The true root cause of the failure of the third configuration in China’s economic restructuring is that the defects of China’s “credit subject - the non-genuine contractual or non-contractual contractual credit of the credit object - the credit carrier that the credit environment is bound to soften” Influence, mutual restraint, and joint action of a low quality, low efficiency trinity credit operation system.