摘要
文章指出和分析了我国当前社会信用问题十分严重 ,问题大的是商业信用和银行信用。我国商业信用和银行信用出现问题的原因 ,主要有四方面 ,部分国有企业资金确实紧张 ;国有企业和国有银行都存在着大锅饭思想 ;少数地方政府和主管部门维护社会信用不力 ;企业的资本金太少。文章最后提出了解决社会信用状况应采取的主要措施。
In the paper, the author points out that there is a serious credit culture problem in China now, especially the commercial bank and banking credit. The main causes of the problem are as follows. First, the state-run enterprises do not have sufficient funds. Second, the state-run enterprises and state-owned commercial are still enjoying 'big-pot' system. Third, few local government and management are not responsible for the credit culture. Fourth, the enterprises are short of owner's capital. Finally, some measures to improve social credit culture are proposed.
出处
《金融研究》
CSSCI
北大核心
2001年第12期58-62,共5页
Journal of Financial Research
