信用缺失的经济学分析

【作者】 桑立恒；

【导师】 徐艳玲；

【作者基本信息】 山东大学 ， 马克思主义理论与思想政治教育， 2005， 硕士

【摘要】 诚实守信的信用观是中华民族的传统美德,中国人向来注重诚实守信。中国古代的思想家如孔子,朱熹等不断告诫世人要诚实守信,在古代社会人与人之间的关系中,诚实守信被列为第一要务。中国社会在经历了几千年的历史演变后,发生了翻天覆地的变化,在取得可喜社会发展成绩的同时,我们突然发现曾经引以为自豪的信用观现在也发生了重大变化。这种变化不是增长而是降低,随着浙江金华毒火腿,阜阳假奶粉等假冒伪劣不诚信事件的一一曝光部分国人的“丑陋的信用观”使我们的心灵受到震撼,与此同时部分国人不诚信的观念也严重影响了我国在国际舞台的形象,丑化了国人的信用观,面对这些情况我国政府采取措施开始惩治不诚信的行为,学者们也纷纷从不同的角度对社会上各种不诚信的现象进行了分析,提出了许多合理的意见。 本文在承认以上分析合理性的基础上,也对他们的不足进行了剖析,尤其对他们没有正确处理与利益之间关系进行了阐述。本文详细论述了在市场经济条件下由于外部经济环境的变化使人的信用观发生的变化,从而导致一部分人为“利”而扭曲了应有的信用观。 本文共六部分,第一大部分是引言部分,主要是阐述信用的缺失不是自古就有,而是一种现代社会的“利益病”,并对当今信用缺失的现状,危害及信用缺失的多维原因进行了解释,剖析了他们的优缺点,指出了进行经济分析的必要性。第二部分是经济体制安排的缺陷导致信用缺失,在这一部分中主要通过对经济体制的分析,来说明体制选择上的缺陷对信用的影响。第三部分产权模糊导致信用缺失,主要说明产权主体的缺位导致信用的缺失。第四部分是博弈中信用缺失的分析,本章运用博弈理论来分析信用缺失的问题。第五部分是信用缺失的成本收益分析,通过对信用缺失的收益,成本作比较进行分析得出信用缺失的原因。第六部分是信息不对称导致信用缺失的分析,本章运用信息不对称理论来分析在此情况下的信用缺失的成因及表现。本文从这五方面对当今信用的缺失进行了全面的经济学分析,希望能找到信用缺失的病根。更多还原

【Abstract】 It is the traditional virtue of Chinese nation to be honest, Chine se always pay attention to credit。 Chinese ancient thinker like Congzi , Zhuxi constantly underline people’s honest faithful importance .Credit is classified as the first important task in the interpersonal relation in ancient times. After going through historical development of several thousand years, Chinese society has changed greatly.While obtaining gratifying achievement, we suddenly found our view of credit has greatly changed.This kind of change is not positive but passive. The poisonous ham in Jinhua of Zhejiang and the false milk power incident of Fuyang have announced some Chinese wrong creditable views.Hhose things have shaken our soul and influence the China international image. Chinese government begins to take measures to punish increditable behavior . A lot of scholars analysis from different respects such as law, culture, moral etc and put forward a lot of constructive suggestions .I analysis this problem from a speciale aspect which is "benefit". I take advantage of economic theoriese analysis increditable behavior.This article is divided six parts.The first part is the preface which explains the incredit do not origin from ancient times.It mainly take places in modern times.It introduces the situation of incredit in these days and some explainations about incredit. In this part ,I point out the advances and drawbackings of explainations about incredit. The drawbacking of system lead to be incredit in the second part.In the third part,the property right is the carrier of the credit.In theforth part,the situation of credit along with boyi is changing .The fifth part is the analysis of cost-benefitof credit. The last part is that the credit is lack of information symmetry. I hope we can find a way to resolve this social Phenomenons.更多还原