社会信用体系理论的传承脉络与创新

为保证信用交易规模的扩大和规范市场经济秩序,中国采用独创的社会信用体系方式建立市场上的失信惩戒机制,并建立起大征信系统和政府信用监管系统。中国的社会信用体系建设实践是在理论指导下展开的,理论先行于实践,有效地指导了社会信用体系的建设工作。介绍社会信用体系理论的主要研究成果,阐明社会信用体系框架设计和其运行理论形成的过程,包括核心理念、指导思想、设计考虑、影响因素等,以及该理论的逐步完善过程,认为在技术层面上,社会信用体系理论的形成基于三项基础理论,即信息经济学、企业信用管理理论和广义的征信技术。同时,阐述企业信用管理理论、信用评级技术、企业征信技术和个人征信技术的渊源以及它们在中国的发展和创新情况,并在介绍主要研究成果的基础上,分析中国在上述理论和技术领域的长短优劣,力图理清社会信用体系及其相关理论的传承脉络与创新点,探讨理论和技术创新研究的路径和方法。

The Heritage Evolution of the Social Credit System Theory and Innovation

In order to ensure the expansion of the credit transaction size and regulate market economic order,a market penalizing mechanism for defaults is built in China in a unique manner of social credit system,as well as a grand credit reference system and government credit monitoring system.Construction practice of china′s social credit system is carried out under the guidance of theories.Theory precedes practice in China,which has effectively guided the construction of social credit system.The paper Introduces the major achievements of theoretical research on social credit system,explaining the formation process of the social credit system framework design and operating theory,including the core philosophy,the guiding ideology,design considerations,influencing factors,as well as the theory of the gradual improvement process.It is held that at the technical level,formation of the theory of social credit system is based on three basic theories,i.e.information economics,business credit management theory and credit reference technology in a broader sense.Meanwhile,the paper explains the theory of corporate credit management,credit rating techniques,the origins of the business credit reference and individual credit technology,and their development and innovation in China.On the basis of introduction of the research results,an analysis is made on the pros and cons for the above-mentioned theories and techniques,trying to sort out the heritage evolution of the theories related to social credit system and innovation,so as to explore the paths and methods for theoretical and technological innovation.