摘要
信用的本质问题是信用理论的最基本问题,至今却没有得到充分的论述。由于信任是信用的基础,研究信用的本质可以从信任入手。根据卢曼的信任理论发现,信任由复杂性简化机制和回报二因素构成。沿着信任二因素的路径前进可以发现对信用本质的两种认识:一是信用是信任的转化,是信任和信任效用的合体,即"信任之效用";二是信用是商品交换复杂性的简化机制,是对商品交换中存在的各种复杂信息进行综合决策时的简化机制。
The nature of credit is the fundamental issue for credit theory, but has not yet been fully discussed. Be- cause trust is the basis for credit, research on the nature of credit can start from the trust. According to Luhmann~ theory of trust, trust consists of two factors, i.e. complexity - simplifying mechanism and rewards. Along the path toward two factors of trust, two ideas can be found in understanding the nature of credit ： first, credit is the conver- sion of trust, that is the combination of trust and trust utility; second, credit is the simplifying mechanism for the eomplexity of commodity exchange, that is a simplifying mechanism for integrated deeision- making about various complex information in the presence of commodity exchange.
出处
《征信》
北大核心
2013年第11期7-12,共6页
Credit Reference
基金
河北省教育厅社科研究项目(SZ2010507)
"中央高校基本科研业务费专项资金"资助项目(11MR61)
关键词
信用本质
信任转化
复杂性简化机制
credit essence
conversion of trust
complexity - simplifying mechanism
作者简介
王建红（1978-），男，讲师，博士，主要研究方向为信用理论和危机理论；张娜（1980-），女，讲师，硕士，主要研究方向为国际信用和国际商务。
