市场信用管理的核心流程与技术手段

This study focuses on the core process and technical measures of credit management. Firstly, the signification of credit is discussed and then a repeated game is used to model the process of value increasing. Secondly, the unavailability of credit standing in Chinese market is examined through case analisis. Thirdly, the distribution of cridit data is investigated and some suitable modes for credit information management are suggested. Fourthly, a viewpoint that constitution of database is core process of credit information management, is introduced. Fifthly, technical measures of credit information management are studied and a hierarchyical system model of credit investigation is designed. The key contributions of this disquisition are as follows: preconditions and course analisis of credit value incrising; dynamical mechanism for credit information publicity and communion; suitable model of credit database for Chinese market and commercial credit information management actulization.

信用是市场经济的基础，信用状况反映了市场运行效率和市场秩序的等级，加强信用管理是我国经济建设的当务之急。信用管理制度的建设主要围绕信用信息管理这一核心流程展开。这是一项复杂的系统工程，需要先进技术手段的支持和大量的资金投入。信用管理引入市场机制，可以降低交易成本，约束交易行为，最总提高信用管理的效率。.