信用利益論
發(fā)布時(shí)間：2018-12-17 22:18
【摘要】：在現(xiàn)代市場經(jīng)濟(jì)條件下,信用是市場經(jīng)濟(jì)的基石,信用利益已經(jīng)成為各類經(jīng)濟(jì)主體參與信用活動(dòng)的起點(diǎn)和歸屬。在經(jīng)濟(jì)學(xué)理論研究中,利益和信用是兩個(gè)相互關(guān)聯(lián)的重要研究領(lǐng)域,深入分析與研究信用活動(dòng)與經(jīng)濟(jì)增長之間的運(yùn)行規(guī)律已成為經(jīng)濟(jì)理論界的熱點(diǎn)。因此選擇信用利益論這一研究課題是源于對信用和利益的理論和現(xiàn)實(shí)考慮。一方面,將信用和利益兩大重要研究領(lǐng)域結(jié)合在一起進(jìn)行統(tǒng)一考察,拓寬了經(jīng)濟(jì)理論的研究視野,豐富了經(jīng)濟(jì)理論的研究內(nèi)涵；另一方面,在對中國信用利益現(xiàn)狀進(jìn)行分析的基礎(chǔ)上,為增進(jìn)我國信用利益以及構(gòu)建我國和諧社會(huì)提供一些具有較強(qiáng)實(shí)踐性的政策建議。 文章試圖以信用利益這一概念為核心構(gòu)建全新的信用利益理論分析架構(gòu)。具體包括理論篇、實(shí)證篇和對策篇。 理論篇,首先對相關(guān)研究文獻(xiàn)進(jìn)行了綜述,然后對一些基本概念進(jìn)行了創(chuàng)新性界定和理論上的深入分析,從而為文章展開論述提供了邏輯基礎(chǔ)和重要理論依據(jù)；從新的理論視角研究信用利益的形成機(jī)理,試圖從微觀角度揭示形成信用利益的內(nèi)在機(jī)制,并嘗試構(gòu)建信用利益的理論研究框架；在研究了信用利益演進(jìn)的一般規(guī)律后,從歷史唯物主義觀點(diǎn)出發(fā)分析了信用利益的歷史、現(xiàn)狀及未來的發(fā)展趨勢。 實(shí)證篇,以中國為研究對象,從宏觀層面對我國國家信用利益的實(shí)現(xiàn)機(jī)理、發(fā)展現(xiàn)狀進(jìn)行了研究,并對相關(guān)研究結(jié)論作了實(shí)證檢驗(yàn)；從微觀層面對中國的信用利益實(shí)踐進(jìn)行了實(shí)證分析,對商業(yè)信用利益、銀行信用利益、消費(fèi)信用利益的實(shí)現(xiàn)機(jī)理和發(fā)展現(xiàn)狀進(jìn)行了普遍研究；從世界范圍考察信用利益的實(shí)踐,以美歐以及日韓為研究對象,對這些發(fā)達(dá)國家的信用利益實(shí)踐進(jìn)行了相關(guān)研究。 對策篇,在對中國信用利益發(fā)展現(xiàn)狀研究的基礎(chǔ)上,結(jié)合當(dāng)前我國構(gòu)建和諧社會(huì)的發(fā)展目標(biāo),借鑒發(fā)達(dá)國家信用利益實(shí)踐經(jīng)驗(yàn),從健全信用體系,大力發(fā)展銀行信用利益、商業(yè)信用利益以及消費(fèi)信用利益幾個(gè)角度提出一些能夠增進(jìn)中國信用利益的對策建議。 文章的創(chuàng)新之處主要表現(xiàn)在如下三方面,第一、本文首次嘗試從經(jīng)濟(jì)利益這一更寬廣的視角界定信用的涵義,從而引申出了信用利益這一新概念,并試圖以其為核心構(gòu)建全新的信用利益理論分析架構(gòu)。第二、以信用利益為研究視角,用系統(tǒng)分析的方法對信用利益的形成機(jī)理進(jìn)行了揭示,并從宏觀和微觀兩個(gè)層面對中國的信用利益進(jìn)行了實(shí)證研究。如此全面、系統(tǒng)地對中國的信用利益進(jìn)行研究的尚不多見。第三、文章運(yùn)用博弈論研究方法,對信用制度如何促進(jìn)交易費(fèi)用的較低以及保障信用利益的實(shí)現(xiàn)進(jìn)行了分析,并起到了較好的解釋效果,這種研究方法也屬于本文的創(chuàng)新之處。
[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.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4
本文編號(hào)：2384875
[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.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4
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