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信用是信息不对称背景下人们应对现时需要而对资源配置作出的一种时空调整。本文从信用机理入手 ,通过对信用结构、信用行为和信用绩效的分析 ,最后导向于对信用制度的探究 (即信用的MSCPI框架 )。文章认为 ,造成中国目前普遍失信或失范现象的主要原因 ,在于行政干预破坏了正常的信用传递过程 ,增大了信用信息的噪声。文章基于MSCPI分析框架描绘了中国目前信用运作的现实图景 ,并提出了若干对策建议。
Credit is a kind of space-time adjustment to the allocation of resources that people should cope with the current needs under the background of information asymmetry. This article begins with the credit mechanism, finally analyzes the credit structure, credit behavior and credit performance, and finally leads the research on the credit system (that is, the credit MSCPI framework). The article argues that the main reason for the widespread distrust or anomie in China is that administrative intervention undermines the normal process of credit transfer and increases the noise of credit information. Based on the MSCPI analysis framework, the article depicts the current picture of credit operation in China and puts forward some countermeasures and suggestions.