| 社会信用风险管理模式、特征和主要趋势 |
| |
| 引用本文： | 敖华. 社会信用风险管理模式、特征和主要趋势[J]. 中国流通经济, 2010, 24(5) |
| |
| 作者姓名： | 敖华 |
| |
| 作者单位： | 北京物资学院经济学院,北京市,101149 |
| |
| 基金项目： | 北京物资学院社会信用与社会保障研究基地资助 |
| |
| 摘 要： | 社会信用风险的本质就是信息不完全条件下的逆向选择和道德风险.本文认为,有限理性和机会主义行为倾向是产生社会信用风险的必要条件,契约不完备性、信用制度不健全以及社会信用管理水平不高则是充分条件.社会信用风险具有两个主要特征:社会信用风险是不可避免的,不可能消除社会信用风险;社会信用风险是可以管理的,可以通过良好的制度设计和管理把社会信用风险控制在社会可以接受的水平.文章提出,当代社会信用风险管理的特征和发展趋势从总体上可以归纳为八个方面:制度化、全程化、模型化、精细化、专业化、市场化、规模化和全球化.
|
| 关 键 词： | 社会信用 信用风险 风险管理 发展趋势 |
On Characteristics and Main Trend of Social Credit Risk Management |
| |
| AO Hua. On Characteristics and Main Trend of Social Credit Risk Management[J]. China Business and Market, 2010, 24(5) |
| |
| Authors: | AO Hua |
| |
| Affiliation: | AO Hua(Beijing Wuzi University,Beijing101149,China) |
| |
| Abstract: | The essence of social credit risk is the reverse choice and moral risk in the light of imperfect information.The author believes that the limit rationality and the intention of opportunism is the necessity for the emerging of social credit risk;and the imperfect contract and credit system and the low level of social credit management is the sufficient condition.The social credit risk is inevitable and can not be eliminated;but it can be managed with the help of sound institutional design and management.The ... |
| |
| Keywords: | social credit credit risk risk management trend of development |
| 本文献已被 CNKI 万方数据 等数据库收录！ |
|
