我国企业信用体系模式选择研究

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摘要

分类号密级UDC注1__学位论文____我国企业信用体系模式选择研究____(题名和副题名)____祝泉__(作者姓名)____指导教师姓名王大勇教授申请学位级别硕士专业名称马克思主义理论与思想政治教育论文提交日期20065论文答辩日期20066学位授予单位和日期南京理工大学__答辩委员会主席__评阅人____2006年6月日____注1:注明《国际十进分类法UDC》的类号。______声明__本学位论文是我在导师的指导下取得的研究成果,尽我所知,在本学位论文中,除了加以标注和致谢的部分外,不包含其他人已经发表或公布过的研究成果,也不包含我为获得任何教育机构的学位或学历而使用过的材料。与我一同工作的同事对本学位论文做出的贡献均已在论文中作了明确的说明。____研究生签名:年月日____学位论文使用授权声明____南京理工大学有权保存本学位论文的电子和纸质文档,可以借阅或上网公布本学位论文的全部或部分内容,可以向有关部门或机构送交并授权其保存、借阅或上网公布本学位论文的全部或部分内容。对于保密论文,按保密的有关规定和程序处理。____研究生签名:年月日______摘要____企业信用体系是整个社会信用体系的核心,是我国建设社会主义市场经济体制的基础制度保障,企业信用体系的模式选择问题一直是理论界关注的热点。__本文以我国企业信用体系模式选择为研究对象,主要通过运用文献分析、比较分析、系统分析等研究方法,在对企业信用体系的研究理论进行梳理、回顾的基础上,研究了国际典型的企业信用体系模式的异同,比较了这些典型模式的效率;分析了我国企业信用体系的发展现状;论文运用制度经济学的交易成本、制度变迁等相关理论,在借鉴国外经验,结合国情的基础上,提出了“政府主导,市场运作,共同作用”的我国应该选择的目标模式,论文强调模式选择的关键是制度建设,并就此进一步探索了我国企业信用体系模式选择的正式和非正式的制度安排等有关问题。____关键词:企业信用企业信用体系模式选择制度安排____I____Abstract____Theenterprisecreditsystemisthecoreofentiresocialcreditsystem_isthesocialistmarketeconomysystemthefoundationsystemsafeguardofourcountrytheenterprisecreditsystempatternchoicequestionisalwaysthehotspotoftheoryattentionThisarticletakeourcountryenterprisecreditsystempatternchoiceresearchasatopic_mainlyhasusedresearchtechniqueandsoonliteratureanalyticmethod_comparisonanalyticmethod_systemanalyticmethod_hasstudiedbelowthecontent__First_carriedontothereviewofresearchtheoryhasbeendoneaboutenterprisecreditsystemAfterthat_introducedtheinternationalpopularenterprisecreditsystempattern_analyzingeachenterprisecreditsystemkindofpatternsimilaritiesanddifferences_comparingwithdifferententerprisecreditsystempatternefficiencyThen_inunifiesourcountryenterprisecreditsystemdevelopmentpresentsituationasthefoundation_emphaticallyanalyzingthequestionwhichexistsatpresentFinally_applicationsystemcorrelationtheorysuchaseconomictransactioncost_systemvicissitude_thenatthemodeloverseasexperience_inourcountryconditionfoundation_expoundingthatourcountryshouldchoosethegovernmenttolead_themarketoperation_affectstogetherpattern_emphaticallyemphasizingthekeytopatternchoiceisthesystemconstruction_andexploringofficialandunofficialsystemarrangementforourcountryenterprisecreditsystempatternchoice____KeywordsEnterprisecredit_Enterprisecreditsystem_Systempatternchoice_System__arrangement____II____目录____摘要····································································································································IAbstract·································································································································II引言···································································································································11理论回顾···························································································································3__11基本概念·····················································································································3__111信用的涵义··········································································································3__112企业信用的涵义··································································································3__113企业信用体系模式的涵义··················································································4__12国内外相关观点·········································································································4__121近现代西方信用理论··························································································4__122马克思的信用理论······························································································5__123国内的研究现状及不足······················································································6__13本章小结······················································································································72企业信用体系的国外模式分析·······················································································8__21发达国家的企业信用体系模式概述·········································································8__211以美国为代表的市场主导模式···········································································8__212以西欧为代表的中央信贷登记模式···································································8__213以日本为代表的行业会员制模式······································································9__22发展中国家的企业信用体系模式概述···································································10__221信用行业的发展是经济发展的必然要求························································10__222中央银行在企业信用体系中发挥重要作用····················································10__223政府推动企业信用服务中介机构的建立························································11__224信用法律、法规体系仍不完善········································································11__225政府主导对信用行业的监管············································································12__23发达国家模式的共性与效率比较············································································12__231发达国家模式的共性························································································12__232发达国家模式的效率比较················································································16__III____24发展中国家模式的共性与效率比较········································································17__241发展中国家模式的共性·····················································································17__25本章小结···················································································································193我国企业信用体系的发展现状·····················································································20__31国内企业信用体系的发展·······················································································20__311国内企业信用体系发展历程和现状································································20__312我国企业信用体系市场化的成就····································································21__32发展中存在的问题···································································································22__321政府职能错位····································································································22__322法律支持不足····································································································22__323企业产权制度欠缺····························································································23__324垄断企业信用缺失····························································································24__325企业信用市场发展滞后····················································································24__33本章小结····················································································································254企业信用体系模式选择的制度经济学分析·································································26__41模式选择的基本问题·······························································································26__411模式选择的交易成本························································································26__412制度变迁的内在机制························································································26__413制度变迁的路径依赖························································································28__42企业信用制度(信用体系)的制度经济学分析···················································30__421企业信用制度的形成和功能分析····································································30__422正式和非正式的企业信用制度········································································31__423企业信用制度对市场秩序的调节····································································32__43本章小结····················································································································335我国企业信用体系的模式选择·····················································································34__51我国的模式选择·······································································································34__511“政府主导,市场运作,共同作用”的模式······················································34__512模式选择的关键在于制度建设········································································35__52模式选择的正式制度安排·······················································································35__521有力的法律体系支撑························································································35IV____522多层次的企业信用数据库················································································37__523积极的政府推动作用。····················································································38__524完善的监管机制································································································39__53模式选择的非正式制度安排···················································································40__531发展信用教育,培养专业人才········································································41__532加强宣传力度,普及信用意识········································································41__533挖掘传统理念,树立信用风尚········································································42__54本章小结····················································································································42结束语·································································································································43致谢·································································································································45参考文献·····························································································································46____V__

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