信用文化的缺失对银行业改革的制约

从信用文化缺失这个方面论证作为公共品的信用文化,如果没有一个排他性的所有权,整个社会的信用将被过度使用,从而形成整个社会的诚信丧失.文中以外资银行在国内发展受阻为引例,再扩展到整个社会各个行业的中国信用消费隐性危机,指出诚信建设的重要性.

Handicap to Banking's Reform by Scarcity of Credit Culture

This paper demonstrates that if the credit culture of the public product does not have a ownership of exclusiveness,the credit of the whole society will be explo ited excessively. That leads the whole societyforfeits sincerity. The authors use an example for guiding, expands foreign capitals bank to the recessive crisis in the whole society of China, and points out the importance of sincere construction.