Credit Contract Theory:Start with the Obligation to Treat Credit
The practice of treating credit obligations by defining credit from the dimension of obligation in the process of social credit legislation in China has caused many theoretical problems,which means that it is necessary to systematically expound the theory of credit contract.The theory of credit contract discussed in this paper believes that contract is the basic element of credit and determines the essence of credit;contract exists in economic and social exchange relations,and credit without contract does not conform to history;contract is divided into credit contract and non-credit contract,and credit contract is a contract with credit significance,which is composed of elements such as subject,object,agreement,commitment and responsibility,and has a clear boundary range.The behavior orientation of the contractor who is equal to bounded rationality and speculation makes credit management necessary;credit management takes contract credit and its behavior as the object scope,and its essence is commitment management;the credit management used to regulate credit behavior is a form of credit regulation alongside moral credit and legal credit;the credit system should be arranged with regard to the dual value of the connotation of the target and the connotation of the instrument.
creditcontractcredit contractcredit contract theory
NETL
NSTL
万方数据
