【作者】 叶蔚；

【导师】 郑永果； 向阳；

【作者基本信息】 山东科技大学 ， 软件工程， 2005， 硕士

【摘要】 信用问题是经济理论研究中的新领域,也是现实经济运行中遇到的重大难题。随着我国社会主义市场经济的逐步确立,政府、企业、个人成为市场主体,由于不同市场主体行为的利益最大化倾向以及对信用经济意义认识不足,在经济领域中出现了普遍的失信、违信等反信用现象,严重影响了我国经济的健康发展,其成因有历史原因,也有认识上、制度上、管理上的原因。诚信是做人做事的基本准则,是现代市场经济的生命。 本文从经济学角度对信用的本质含义、结构特征及价值意义进行了较为系统的研究,借鉴西方经济理论和实践中的合理因素,对个人信用的管理提出较为切实可行的思想方法。主要是通过创建大学生诚信档案,建立信用数据库,将学生个人的学习、生活行为详细记录,经过所建立的模型定量分析,并与定性分析相结合,计算出信用客体的信用风险。使个人信用不仅仅建立在货币借贷行为基础上,而将信用的内涵和外延扩大,更加真实地反映个人的信用状况,为今后的个人信用评定、学生就业招聘、银行的无抵押贷款以及整个社会的信用意识提升,宏观调控政策的顺利进行,都将发挥其潜在的效用。同时也成为高校加强学生诚信教育、培养诚信品德、规范诚信行为、提高诚信意识的有效方式方法。本文从建立在校生的诚信档案入手,希望通过加强个人信用信息系统的管理,为确立市场经济背景下整个社会信用体系及其相关问题的研究提供可靠的数据和值得借鉴的经验。更多还原

【Abstract】 Credit issue is not only the new domain of economic theory study but the puzzle in the practical economic process as well. With the socialism market economic system established gradually in our country, government, enterprises and individuals have become the entities in the market. Due to profit maximization to which all different kinds of entities seek and lack of knowledge about credit economy a large amount of discreditable phenomena, such as, break one’s words or breach of faith etc, are prevalent in the market economy, which exert badly influence on our economy healthful development. Including historic reason as well as system, knowledge and management and so on. Of course, honesty is the best policy.From the point of view of economics this article studies credit essence, characteristic, staicture and value influence deeply. Especially, to personal credit establishment, I propose the new thought. Through analyzing the graduates’ sources, for example, setting up the students credit archives, finding the credit information database of the students in the local area network and what have you, This paper uses economics theory and the rational factors of practice, quantitative analysis and qualitative analysis methods, meanwhile expands the credit scope on the basis of the graduates’ debit and credit dealing, and reflects the really credit states. Consequently, it creates the "credit archive", which has appraisal function, promoting function, educational function and forecasting function so as to reinforce students’ honesty thoughts, foster their honesty moral characters, rule their honesty actions and enhance their honesty consciousness. In the end, this essay hopes to strengthen credit information management and provide credible sources and valuable experience for study on social credit system and relative issues on the background of market economy.更多还原