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信用制度是市场经济现代模式中最核心的一项制度。市场经济是信用经济,这一论断反映了经济发展到一定阶段的深刻内涵,而不仅是简单地套用市场经济是法治经济的表达式。以理性经济人假设为基础,经济运行试图完全借助于市场机制的学说,必须面对现实接受种种例外并修正其观点。因为人类理性总是有限的,外部事物极其复杂,其变化难以预见,交易成本必然存在,无论如何公开和透明,信息不对称现象总是难免,所以说市场经济的运行实际上存在诸多的不确定性,并且总是伴随着风险。信用是对抗种种风险的有力武器。信用的维持是保证经济正常运行的基本条件。整个社会就是构筑在信用系统基础之上的。
The credit system is the most important system in the modern mode of market economy. The market economy is a credit economy. This thesis reflects the profound connotation of economic development to a certain stage, not just simply applying the market economy as an expression of the rule of law economy. Based on the hypothesis of a rational economic man, attempts to fully rely on the theory of market mechanism in economic operation must accept the various real exceptions and correct their views. Because the human rationality is always limited, the external affairs are extremely complicated, the changes are unpredictable, the transaction costs are bound to exist, and the information asymmetry is always inevitable in any case. Therefore, there are actually many uncertainties in the operation of the market economy Sexuality is always accompanied by risk. Credit is a powerful weapon against all kinds of risks. The maintenance of credit is the basic condition for ensuring the normal operation of the economy. The whole society is built on the basis of the credit system.