论金融信用法律制度的完善

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1、目录一、中英文摘要与关键词······························2二、金融信用及信用的解释····························2三、金融信用的特征··································4（一）广泛性·······································4（二）扩张性·······································4（三）复杂性·······································4四、建立和完善信用制度体系的必要性·······

2、···········4五、我国金融信用的现状分析··························5（一）17目前我国金融市场的信用危机···················5（一）金融信用中介机构管理不完善···················6（二）金融信用方面立法不足·························6二、金融信用缺失成因的解读··························6（一）经济转型━━━金融信用缺失的社会场景·········6（二）逆向选择下的金融信用市场困境·················7（三）制度供给不足与失效下的市场····

3、···············8三、对完善金融信用制度的建议························9（一）完善征信制度·································9（二）建设信用评级制度····························11（三）17完善信用管理体系····························12（一）信用监管体系制度建设························13二、参考文献·······································15论金融信用法律制度的完善摘要：金融市场的基础是

4、信用,没有一个完善的信用体系,不可能建立完善的金融链条。我国目前金融信用状况比较糟糕,必须加强金融信用制度建设。金融信用制度建设是一个系统工程,其核心制度主要包括征信制度、信用评级制度和信用管理体系。对金融信用的规制还需要外部调控、约束和管理制度,通常是政府和自律组织为了防止失信行为泛滥、信用市场的无序竞争和不正当竞争而进行的调控、监督和管理制度。关键词：金融信用；征信；强化法制建设；信用评级Abstract:Thebasisoffinancialmarketiscredit.Wecouldn’testablishaperfectchainifthereisnotaperfe

5、ctcreditsystem.Wemuststrengthentoestablishinthecreditsystemsinceourfinancialstatementisnotgoodenoughatpresent.Financialcreditsystemisasystematicalproject,itscoresystemincludesacquisitioncredit,judgmentcreditand17administrationcreditsystem.Itneedsaexterioradjusted,consrainedandadministrateds

6、ystem,namelythegovernmentandself-disciplinedorganizationusuallyconstructaadjusted,supervised,administratedsystemforpreventingnor-credit,out-of-ordercompetitionandunreasonablecompetition.Keywords:financialcredit;acquisitioncredit;strengthenthelegalsystem;judgmentcredit一、金融信用及信用的解释金融业由于其特殊的性质

7、，从产生伊始，就和信用相伴相生。对于金融业而言，金融信用在金融业的资产中无可置疑地占有首要地位。正如一位银行家所言：“信用是银行的生存之本”。金融信用作为银行赖以生存的基础，一方面是银行必须确保存款人自由取款，另一方面需要贷款人确保按时、如数还本付息，缺一不可。如果贷款人都不对银行恪守信用，那么银行最终也无法对存款人恪守信用。从这个意义上说，金融信用本质上是企业信用和个人信用的整合。在《新帕格雷夫经济大辞典》中，对信用的解释是：提供信贷（Credit）意味着把对某物（如一笔钱）的财产全给以让度，以交换在