Credit Research Under The Chinese Cultural Perspective

The dissertation analyzes China's economic credit issues, by adopting economic culture perspectives and methods.The dissertation consists of eight chapters. Except the introduction and the conclusion, there are three parts: research on the types of Chinese culture and its general impact on the current state of China's economy (chapter 2 and 3); analysis of current economic credit scarcity, based on the conflicts between China's traditional culture and market economy (chapter 4 and 5); cultural analysis of China's current credit risks, and economic culture views on establishing China's modern economic credit system (chapter 6 and 7).Significance of the research topic: exploration of economic credit issues from economic culture point of view, which provides a new research perspective of China's credit issues.Major viewpoints: the key element of Chinese culture is kinship culture. The most fundamental difficulty for pursuing a socialist market economy in China is prominently reflected in the repulsion of contract relationship from the kinship culture. Contract scarcity and Individuality scarcity results in credit deterioration in China's society and credit crisis. The cultural prerequisite for the establishment of the credit card risk control mechanism in China on the basis of good human nature is malicious deduction, which hinders the establishment of a socialized credit system.Conclusion: in order to construct China's economic credit system, it is essential to establish individuality consciousness and achieve the socialization of economic credit.Something new: it attempts to study China's current economic credit issues from the economic culture point of view, and explore the possible ways to construct China's economic credit system. It also attempts to study the current credit card risk control mechanism in China through comparative research into the prerequisite of Chinese culture and western culture.