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市场经济是信用经济,现代社会应是诚信至上的社会。然而,近几年来,在经济生活乃至社会生活的各方面,信用缺失影响了社会风气,影响了市场经济的健康发展。毋庸讳言,这是当前我国建立和完善社会主义市场经济体制进程中需要加以认真解决的一个重大而又迫切的问题。信用缺失现象的产生和存在,其原因是复杂的。一是信用体系发育不良。信用是市场关系的基本准则。随着市场经济的发展,我国开始注重信用体系建设。但是,由于市场体系不完善,机制不健全,规则不严格,因而市场秩序紊乱和不良交换行为时有所见;加之一些政府管理部门管理方式落后,手段不力,服务少、干预多,有时会出现一些和市场经济规律相违背的事情,影响信用关系的建立。二是信用立法滞后。在现行的法律体系中,仅对部分信用行为有所规定,还不能涵盖全部信用行为,因而对市场主体履行义务的约束不完善,缺乏强制性,致使债权人的利益得不到切实保护。三是信用监控不力。我国对企业信用及其经营行为的
Market economy is a credit economy, modern society should be the supremacy of integrity society. However, in recent years, in all aspects of economic life and even social life, the lack of credit has affected the social atmosphere and affected the healthy development of the market economy. Needless to say, this is a major and urgent issue that needs to be seriously solved in the current process of establishing and perfecting the socialist market economy in our country. The reasons for the emergence and existence of credit absence are complex. First, the credit system dysplasia. Credit is the basic principle of market relations. With the development of market economy, China began to focus on credit system construction. However, due to imperfect market system, unsound mechanisms and strict rules, market order disorder and bad exchange behavior have been seen at some time. In addition, some government administration departments sometimes lag behind in management, ineffective in means, less in service and more in interventions. Some things that run counter to the law of the market economy affect the establishment of credit relations. Second, the credit legislation lags behind. In the current legal system, only some of the credit behavior is provided, but also can not cover all credit behavior, and therefore the constraints on the performance of market participants are not perfect, lack of coercion, resulting in the effective protection of the interests of creditors. Third, weak credit monitoring. China’s corporate credit and its business activities