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现代“信用经济”的特点如果把市场经济看作一种人类合作的扩展秩序,那么其基本特征就是经济主体之间以市场为介质所展开的一系列建立在“信用”基础上的自愿交换活动。大范围的、非人格化的礼会交换关系是社会化大生产形成和深化的基础,但在信息不完备的市场环境下,人们交易关系的深度和广度始终受到交易主体相互间信任程度的制约。为减少和降低交易主体之间信息不对称所造成的交易成本和信用风险,人们在市场建构过程中创造了货币、股票、债券、汇票、期票等一系列信用工具作为信用转让和清偿的有效凭证。这些信用工具的产生和普及有效地推动了社会资源的资本化和可交易化,同时其本身也逐渐成为一种依赖于社会信用机制而存在的市场
The Characteristics of Modern “Credit Economy” If we regard the market economy as an expanding order of human cooperation, its basic feature is a series of voluntary exchange activities based on “credit” initiated by market-oriented medium among economic agents . The extensive and impersonal exchange of ceremony and exchange is the basis for the formation and deepening of large-scale socialized production. However, in the market with incomplete information, the depth and breadth of people’s transactional relations are always restricted by the mutual trust between the parties to the transaction. In order to reduce and reduce the transaction costs and credit risks caused by the asymmetric information between transaction subjects, people create a series of credit instruments such as currency, stock, bond, draft and promissory note during the process of market construction as credit transfer and settlement. certificate. The emergence and popularization of these credit instruments has effectively promoted the capitalization and tradableness of social resources, and has gradually become a market that relies on social credit mechanisms