Abstract: Production practice of modern social life shows that division of labour is the prerequisite of exchangement, while exchangement is accomplishment of labour division, and these are all the contents and processes of modern social life. Established on the base of this case,market economic system has its management ideas connotes splendid ethic implications.^[1]This essay first analyses that the establishment of credit system of market economy is certainly requested by the inherent law of market economy system. It explores “credit” is the result of balance of energies and chess game between the parties promised, which contains either much ethic ration or obvious utility desire. The essay further compares motive factors which upholds credit system with its relativity with behaviours of market subjects. And it points out, the government should hold on the rule of “Do something while not to do some other things” when it takes part in economic activities, stay aloof from economic benefits, in order to be detached from other members of the market. At the mean time, the establishment and upholding of credit system is the certain result led by public consensus rather than being guided by the government.

Key words: market economy, credit system, impetus mechanism, public consensus

摘要： 现代社会生活的生产实践表明,分工是交换的前提,交换是分工的实现,这就是现代社会活动的全部内容和过程。在此事实基础上构建的市场经济体制,其管理理念内含着丰富的伦理意蕴^[1]。 本文首先分析阐述了市场经济信用体系的建立是市场经济体制内在规律的必然要求,揭示了“信用”是承诺者之间能量均衡与博弈的结果,既具有丰富的道德理性又具有明显的功利要求。文章进而通过对信用体系维护的动力因素及其与市场主体行为的相关性进行比较研究后指出:政府在参与市场经济活动中要坚持“有所为,有所不为”,应把政府置于经济利益之外,使之具有超脱于市场各成员的地位;同时,信用体系的创立和维护并不必然由政府主导,而是市场经济环境中公共合意选择的必然结果。

关键词: 市场经济, 信用体系, 动力机制, 公共合意