【摘要】：我國日益嚴(yán)重的信用缺失問題已經(jīng)嚴(yán)重阻礙了我國經(jīng)濟(jì)社會的可持續(xù)健康發(fā)展,也引起了社會的廣泛關(guān)注。而且,我國的信用缺失問題從主體角度來看,表現(xiàn)為多個(gè)維度交織在一起,個(gè)人信用缺失、企業(yè)信用缺失和政府信用缺失是我國社會信用缺失的三個(gè)主要方面,這三個(gè)方面的信用缺失相互作用、交織在一起,使得我國的信用缺失問題變得更加復(fù)雜。本文擬對我國的信用缺失問題進(jìn)行研究,首先通過閱讀現(xiàn)有文獻(xiàn),發(fā)現(xiàn)研究我國信用缺失的主要文獻(xiàn)所選取的研究視角當(dāng)中,以經(jīng)濟(jì)學(xué)視角來研究的文獻(xiàn)較少。為了彌補(bǔ)這部分研究空白,本文以經(jīng)濟(jì)學(xué)的視角來研究我國的信用缺失問題。首先,本文著重分析了個(gè)人信用缺失、企業(yè)信用缺失和政府信用缺失的主要表現(xiàn),其中個(gè)人信用缺失選取了當(dāng)前比較典型的兩個(gè)現(xiàn)象問題,即“扶老被訛”現(xiàn)象和大學(xué)生信用缺失問題。然后分析了企業(yè)和政府的信用缺失表現(xiàn)。第三章主要分析了我國信用缺失問題帶來的各種負(fù)面影響,以此來強(qiáng)調(diào)對該問題研究的必要性,且為后文分析我國信用缺失的原因做好準(zhǔn)備。在分析個(gè)人、企業(yè)和政府的信用缺失問題背后的原因時(shí),本文主要從經(jīng)濟(jì)學(xué)的角度對其進(jìn)行分析,其中對政府信用缺失原因建立了一個(gè)經(jīng)濟(jì)學(xué)理論模型。通過分析得出,個(gè)人信用缺失的主要原因在于媒體的輿論宣傳引導(dǎo)扭曲作用、社會信用激勵機(jī)制的不完善、我國特色的獨(dú)生子女政策等原因。企業(yè)信用缺失的主要原因是成本收益核算導(dǎo)致行為主體選擇守信或失信的不同行為取向,信息不對稱的劣驅(qū)優(yōu)行為以及機(jī)會主義原因和確定效應(yīng)和損失規(guī)避的引導(dǎo)。政府信用缺失的主要原因由模型推導(dǎo)而來,主要為政府職能為實(shí)現(xiàn)有效轉(zhuǎn)型,社會公眾的意愿難以反映在政府的效用函數(shù)當(dāng)中,政府的績效考核機(jī)制存在漏洞。本文最后針對我國信用缺失的原因提出了相應(yīng)的對策建議,以期對解決我國的信用缺失問題提供一定的借鑒意義。
[Abstract]:The increasingly serious problem of lack of credit in our country has seriously hindered the sustainable and healthy development of our country's economy and society, and has also aroused widespread concern of the society. Moreover, from the perspective of the subject, the problem of lack of credit in our country is characterized by the interweaving of several dimensions. The lack of personal credit, the lack of enterprise credit and the lack of government credit are the three main aspects of the lack of social credit in our country. The credit deficiency of these three aspects interacts and interweaves, which makes the problem of credit deficiency more complicated. This paper intends to study the problem of credit deficiency in China. Firstly, by reading the existing literature, we find that the main research perspective of credit deficiency in our country is less than that in economics. In order to make up this part of the research blank, this article studies our country's credit deficiency question from the economic angle of view. First of all, this paper focuses on the analysis of the main manifestations of the lack of personal credit, the lack of enterprise credit and the lack of government credit, in which the two typical phenomena of the lack of personal credit are selected. That is, the phenomenon of "helping the elderly to be mistaken" and the problem of lack of credit for college students. Then it analyzes the lack of credit performance of enterprises and governments. The third chapter mainly analyzes the negative effects brought by the problem of lack of credit in China, so as to emphasize the necessity of research on the problem, and to prepare for the analysis of the reasons for the lack of credit in China. In the analysis of the reasons behind the lack of credit of individuals, enterprises and governments, this paper mainly analyzes it from the angle of economics, and establishes an economic theoretical model for the reasons of the lack of government credit. It is concluded that the main reasons for the lack of personal credit lie in the distorted function of media propaganda and guidance, the imperfect social credit incentive mechanism, the one-child policy with Chinese characteristics, and so on. The main reasons for the lack of enterprise credit are the different behavior orientations of the behavior of keeping or dishonesty due to the cost and income accounting, the bad driving behavior of asymmetric information, the opportunism reason and the guidance of deterministic effect and loss avoidance. The main reasons for the lack of government credit are derived from the model, mainly for the effective transformation of government functions, the will of the public is difficult to reflect in the utility function of the government, and there are loopholes in the performance evaluation mechanism of the government. At the end of this paper, the author puts forward the corresponding countermeasures and suggestions to solve the problem of credit deficiency in China.
【學(xué)位授予單位】：青島科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F203

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