信用利益论

发布时间：2018-12-17 22:18

【摘要】：在现代市场经济条件下,信用是市场经济的基石,信用利益已经成为各类经济主体参与信用活动的起点和归属。在经济学理论研究中,利益和信用是两个相互关联的重要研究领域,深入分析与研究信用活动与经济增长之间的运行规律已成为经济理论界的热点。因此选择信用利益论这一研究课题是源于对信用和利益的理论和现实考虑。一方面,将信用和利益两大重要研究领域结合在一起进行统一考察,拓宽了经济理论的研究视野,丰富了经济理论的研究内涵；另一方面,在对中国信用利益现状进行分析的基础上,为增进我国信用利益以及构建我国和谐社会提供一些具有较强实践性的政策建议。文章试图以信用利益这一概念为核心构建全新的信用利益理论分析架构。具体包括理论篇、实证篇和对策篇。理论篇,首先对相关研究文献进行了综述,然后对一些基本概念进行了创新性界定和理论上的深入分析,从而为文章展开论述提供了逻辑基础和重要理论依据；从新的理论视角研究信用利益的形成机理,试图从微观角度揭示形成信用利益的内在机制,并尝试构建信用利益的理论研究框架；在研究了信用利益演进的一般规律后,从历史唯物主义观点出发分析了信用利益的历史、现状及未来的发展趋势。实证篇,以中国为研究对象,从宏观层面对我国国家信用利益的实现机理、发展现状进行了研究,并对相关研究结论作了实证检验；从微观层面对中国的信用利益实践进行了实证分析,对商业信用利益、银行信用利益、消费信用利益的实现机理和发展现状进行了普遍研究；从世界范围考察信用利益的实践,以美欧以及日韩为研究对象,对这些发达国家的信用利益实践进行了相关研究。对策篇,在对中国信用利益发展现状研究的基础上,结合当前我国构建和谐社会的发展目标,借鉴发达国家信用利益实践经验,从健全信用体系,大力发展银行信用利益、商业信用利益以及消费信用利益几个角度提出一些能够增进中国信用利益的对策建议。文章的创新之处主要表现在如下三方面,第一、本文首次尝试从经济利益这一更宽广的视角界定信用的涵义,从而引申出了信用利益这一新概念,并试图以其为核心构建全新的信用利益理论分析架构。第二、以信用利益为研究视角,用系统分析的方法对信用利益的形成机理进行了揭示,并从宏观和微观两个层面对中国的信用利益进行了实证研究。如此全面、系统地对中国的信用利益进行研究的尚不多见。第三、文章运用博弈论研究方法,对信用制度如何促进交易费用的较低以及保障信用利益的实现进行了分析,并起到了较好的解释效果,这种研究方法也属于本文的创新之处。
[Abstract]:Under the condition of modern market economy, credit is the cornerstone of market economy, and credit interest has become the starting point and attribution of all kinds of economic subjects participating in credit activities. In the study of economic theory, interest and credit are two important interrelated research fields, and it has become a hot spot in the economic theory field to analyze and study the operation law between credit activity and economic growth in depth. Therefore, the research topic of choosing the theory of credit interest originates from the theoretical and practical consideration of credit and interest. On the one hand, combining the two important research fields of credit and interest together, it broadens the research field of economic theory and enriches the research connotation of economic theory. On the other hand, based on the analysis of the present situation of China's credit interests, some practical policy suggestions are provided for promoting the credit interests of our country and building a harmonious society in our country. This paper attempts to construct a new theoretical analysis framework of credit interest with the concept of credit interest as the core. It includes theoretical, empirical and countermeasure chapters. In the theoretical part, the related research literature is reviewed firstly, and then some basic concepts are defined innovatively and analyzed deeply in theory, which provides the logical basis and important theoretical basis for the article. This paper studies the forming mechanism of credit interest from a new theory angle, tries to reveal the internal mechanism of forming credit interest from the micro angle, and tries to construct the theoretical research frame of credit interest. After studying the general law of credit interest evolution, this paper analyzes the history, present situation and future development trend of credit interest from the viewpoint of historical materialism. In the empirical part, taking China as the research object, this paper studies the realization mechanism and development status of China's national credit interest from the macro level, and makes an empirical test on the relevant research conclusions. This paper makes an empirical analysis on the practice of China's credit interests from the micro level, and makes a general study on the realization mechanism and development status of the commercial credit interests, the bank credit interests and the consumer credit interests. This paper investigates the practice of credit interest in the world, and studies the practice of credit interest in these developed countries with America, Europe, Japan and South Korea as the research objects. Countermeasures, on the basis of the research on the current situation of China's credit interest development, combined with the current development goal of constructing a harmonious society in China, and drawing on the practical experience of developed countries' credit interests, from perfecting the credit system and vigorously developing the bank's credit interests, This paper puts forward some countermeasures and suggestions to promote the credit interest of China from the angle of commercial credit interest and consumer credit interest. The innovations of this paper are as follows: first, this paper first tries to define the meaning of credit from the broader perspective of economic interest, thus extending the new concept of credit interest. And try to build a new theoretical analysis framework of credit interest with it as the core. Secondly, from the perspective of credit interest, this paper reveals the formation mechanism of credit interest with the method of systematic analysis, and makes an empirical study on the credit interest in China from the macro and micro levels. So comprehensive, systematic research on China's credit interests is rare. Thirdly, by using the method of game theory, this paper analyzes how the credit system can promote the lower transaction cost and guarantee the realization of the credit benefit, and has a better explanation effect. This research method also belongs to the innovation of this paper.
【学位授予单位】：复旦大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F832.4

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