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本文认为信用与交易行为有着密切的关系 ,可以从三种意义上来理解 ,即信用是人类经济史上的特定的交易方式 ,是一种受一定规范约束的特定的交易行为 ,尤其 ,它是人们利益置换性的社会交往中 ,以诚实守信为原则 ,配置获取收益的权利与支付成本的义务之间关系的行为规范。从这样的概念界定出发 ,作者对信用规范概念所涉及的三个基本方面 ,即规范、权利与义务、利益展开进一步理解。提出信用作为交易行为规范 ,是建立公平正义、互信合作的利益置换关系的行为准则。它的实现有助于协调利益、促进合作、建立合理的人际、社会的信任关系和交往秩序 ;信用在市场社会的积极功能是通过对行为利益的调整控制实现的
This paper argues that there is a close relationship between credit and transaction behavior. It can be understood in three sense: credit is a specific transaction mode in human economic history and is a specific transaction behavior restricted by certain norms. In particular, it is the interest of people Replacement of social interaction, with the principle of honesty and trustworthiness, allocation of rights to obtain the benefits and the obligation to pay the cost of the code of conduct. Starting from such a definition of the concept, the author further comprehends three basic aspects involved in the concept of credit norms, namely, norms, rights and obligations, and interests. Putting forward credit as a code of conduct for transactions is a code of conduct for establishing a relationship of interests replacement involving fairness and justice and mutual trust and cooperation. Its realization helps to coordinate interests, promote cooperation and establish a reasonable interpersonal and social trust relations and communication order. The positive function of credit in the market society is realized through the adjustment and control of the behavior interests