我国金融信用缺失与金融评估体系建设

本文认为,目前我国社会整体信用情况严重缺失,企业与银行之间陷入信任危机,证券信用诚信意识淡薄,诚信度不高,保险信用不规范,金融租赁欠租现象普遍,存在着严重的信用危机。我国应建立健全金融评估体系,由中国人民银行牵头,国家有关部委及商业银行、金融资产管理公司等共同参与,建立相应的规章制度,如听证会制度、公示制度等;同时建立借款人资信评估机制,设立民办公助的信用调查机构,对企业和个人的经济行为进行商业性的信用调查服务,制定银行对借款企业会计报告审核的常规性行为规范,及早发现借款人的不良信用行为,形成示警制度。

Lack of Financial Credibility and Measures to Strengthen Financial Evaluation System

This paper analyzes the lack of financial credibility in China. Based on the study of advanced financial evaluation system in developmed countries, we propose measures to strengthen the financial evaluation system in China. We sho uld, first, under the leadership of the People's Bank of China, with the partici pation of correlative department, establish corresponding systems, such as the s ystem of public notices and public hearings; second, establish the credit rating mechanism and institute to provide service of credit survey for enterprises and individuals; third, establish the early warning system.