天津市社会信用体系建设对策研究

发布时间：2018-01-26 21:08

本文关键词： 天津市社会信用体系信用法律法规　出处：《天津财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：“人无信不立,企无信不振,国无信不兴”。信用是一个人可以立足于社会的根本,相应地,信用体系也是社会经济体系的基石,更是一个国家和地区的重要战略资源和软实力象征。然而,目前我国的信用体系尚存在法律保障缺失、中介服务机构发展滞后、失信惩戒措施薄弱等问题,致使在我国的当前市场经济中拖欠贷款、偷逃骗税、商业欺诈等现象屡见不鲜,大大增加了市场交易成本,降低了市场效率和经济活力,严重扰乱了社会经济秩序和金融生态环境。发达国家的经验表明,健全的社会信用体系可以降低市场交易成本,促进资源的有效配置。 2003年,天津市积极响应中央号召开展天津市社会信用体系建设工作,在《天津市社会信用体系建设工作方案》中明确指出了天津市社会信用体系建设的总体思路和建设步骤。经过近十年的建设,天津在社会信用体系建设取得了有目共睹的成绩,促进了区域经济的发展；但同时也存在着政府、企业和个人信用体系不健全、缺少必要的法律保障致使失信惩戒措施薄弱等问题。不完善的社会信用体系增加了市场交易成本、降低了市场效率和经济活力,成为阻碍天津市场经济完善的“瓶颈”。因此,如何构建适合天津市现状的社会信用体系用以防范和惩治失信行为、改善金融生态环境、保护市场主体的合法权益等方面都具有重要的现实意义。文章以天津市社会信用体系建设为研究对象,以天津市社会信用体系的现状和问题为切入点,阐述了天津市在社会信用体系构建方面取得的成绩、分析了其存在的不足之处,通过比较国内外在法律法规、政府、企业和个人四个方面成功的建设经验,对如何完善天津市社会信用体系提出了相应的对策。
[Abstract]:Credit is the foundation of a man's social system. Accordingly, the credit system is the cornerstone of the social and economic system. It is also an important strategic resource and symbol of soft power in a country and region. However, at present, there are still some problems in our country's credit system, such as the lack of legal protection, the lagging development of intermediary services, and the weakness of dishonest punishment measures. As a result of the current market economy in our country loan default, tax evasion, commercial fraud and other phenomena are common, greatly increased the market transaction costs, reduced market efficiency and economic vitality. The experience of developed countries shows that a sound social credit system can reduce market transaction costs and promote the effective allocation of resources. In 2003, Tianjin responded positively to the call of the Central Committee to carry out the construction of Tianjin's social credit system. In the "Tianjin Social Credit system Construction Program", the author clearly points out the overall thinking and construction steps of Tianjin social credit system construction. After nearly ten years of construction. Tianjin has made remarkable achievements in the construction of social credit system and promoted the development of regional economy. But at the same time, there are still some problems such as the imperfect credit system of government, enterprises and individuals, the lack of necessary legal protection and the weakness of disciplinary measures. The imperfect social credit system increases the transaction cost of the market. It reduces the market efficiency and economic vitality and becomes the "bottleneck" that hinders the perfection of Tianjin's market economy. Therefore, how to construct the social credit system suitable for Tianjin's present situation to prevent and punish the discredit behavior. Improving the financial ecological environment and protecting the legal rights and interests of market subjects are of great practical significance. Taking the construction of social credit system in Tianjin as the research object and the current situation and problems of social credit system in Tianjin as the cut-in point, this paper expounds the achievements made in the construction of social credit system in Tianjin. This paper analyzes its shortcomings, compares the successful construction experiences of domestic and foreign countries in four aspects: laws and regulations, government, enterprises and individuals, and puts forward the corresponding countermeasures on how to perfect the social credit system of Tianjin.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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