摘要
在信息技术快速发展的背景下,基于广义信用的概念分析信用经济的内涵,以及行为、信息、数据、标准四大构成要素,提出信用经济具有主体可识别、组织边界弱化、个体才能发挥、智能高效运行的特征。信用经济研究的关键问题包括三个方面:应区别信用经济与传统经济研究在研究对象、理性自私人假设、个体差异假设、信息对称性假设中存在的差异;由于信用大数据分析的智能化应用,信用经济活动不仅表现为"物物"交换,还表现为具有由"智力、道德"等人的自身因素所决定的更为复杂的活动特点;在信用经济中,经济、技术和制度紧密融合,信用、货币和价格体系将同时运行发挥作用,生产要素和产品从"物质"属性向"人的智慧"属性转变。
In the context of rapid development of information technology,this article analyzes the connotation of credit economy based on the concept of broad credit,and the four constituent elements of behavior,information,data and standard,and argues that credit economy has the characteristics of identifiable subject,weakened organizational boundary,the role of individual talent and intelligent and efficient operation.The key issues of credit economy research include three aspects:First,the differences between credit economy and traditional economic research in terms of research objects,rational self-privacy assumptions,individual differences assumptions,and information symmetry assumptions should be distinguished.Second,due to the intelligent application of credit big data analysis,credit economy activities are not only manifested as“barter”exchange,but also more complicated activities affected by personal elements,such as intelligence and morality.Third,in the credit economy,economy,technology and system are closely integrated,credit,money and price system will function simultaneously,and production factors and products will change from“material”properties to“human intelligence”.
作者
张丽丽
Zhang Lili(China Credit Research Center,Peking University,Beijing 100871,China)
出处
《征信》
北大核心
2021年第11期28-34,79,共8页
Credit Reference
关键词
信息社会
信用经济
广义信用
信用经济要素
信用经济特征
information society
credit economy
broad credit
elements of credit economy
characteristics of credit economy
