The market economy is a credit economy. When credit transactions and their activities are everywhere and developing rapidly, honesty and trustworthiness, credit order and credit environment have become social issues that people are generally concerned about. It is the general trend to strengthen credit publicity and education and build a social credit management system. It is in this context that the State Education Commission approved two universities in China to set up a pilot program of credit management. This move is in line with the needs of social development and the concrete embodiment of the spirit of keeping pace with the times. Encouraged by this spirit, many colleges and universities have set up credit management directions under the original economic disciplines. These beneficial attempts will cultivate a large number of talents for China's credit management industry, and make inestimable contributions to the establishment, formation and effective operation of China's social credit management system.

At present, the professional education of credit management that came into being at the historic moment is too young and needs the attention and support of all sectors of society. There are still many important issues to be discussed in its own development.

1. Norm is the foundation of credit management education

When thinking about the foundation of the development of credit management education in colleges and universities in China, we are faced with two main lines of thinking. One main line is the domestic credit situation: the credit order is chaotic, fake and shoddy, the credit environment is bad, the actual credit transaction volume is extremely low, and the total credit scale does not match the economic growth rate. It is urgent to strengthen the publicity and education of honesty and trustworthiness, and it is even more necessary to conduct research and education from the system, form management system arrangements, speed up the construction of credit management system, and develop credit management industry. The other main line is the developed experience of credit management industry, sound credit legal system, social credit management system, ready-made professional terms, institutions, operation and development model of credit management in western developed countries represented by the United States.

what is the basis of the content and specific basis of China's credit management education? This will be embodied in the teaching materials. So what should our teaching materials be like? Whether to copy the ready-made American textbooks, or to write and talk to yourself according to the domestic situation. Faced with this problem, I personally think that these two practices are both undesirable and irregular.

Norm is the survival foundation of freshmen's credit management education in China. Personally, I think that the so-called norms must meet the following three requirements:

First, they must be within the legal framework and policy permission. The specific content of credit management education in China must conform to China's legal system and policies and regulations. The legal framework and policy systems of the United States, Europe and other countries are very different from those of China, and the specific contents of credit education in Europe and the United States cannot fully meet the requirements of China's legal system and policy. Of course, China's laws and policies are constantly developing and changing, but differences and gaps always exist.

Secondly, it should conform to the domestic economic system, development level and goals, folk customs and habits. China's road to reform and opening up is unique in the world, and so is the goal and course of building a socialist market economy with China characteristics. The fact of reform and opening up over the past 2 years tells us that China has made its own way. Under such an economic environment and based on such institutional arrangements, the development of our credit management industry and the construction of our credit management system, as well as the education of our credit management specialty, will surely take an unprecedented road. The foundation of success or failure of this road lies in seeking truth from facts. We must take the existing economic level as the foundation, the quality of the existing public as the premise of development and education, respect folk customs and habits, and take our own development path in a down-to-earth, serious and pragmatic manner.

third, we should be in line with international standards. China is a permanent member of the United Nations and an important member of the WTO. Politically and economically, China is integrating into the world. In the process of building a market economy in Socialism with Chinese characteristics, internationalization is inevitable, and it is also an important part of the standardized development of all walks of life. China's credit management education must also learn from the experience of Europe and the United States, and seriously study and publicize its specific content. But we must never copy it completely and westernize it completely.

Therefore, personally, I think that the primary problems faced by China's credit management education at present are to sort out the thinking, identify the direction, actively study and investigate, and carefully compile the teaching materials for China's credit management specialty.

suggestion: set up universities with credit management major or direction, organize an echelon of teachers with scientific research ability, go deep into the credit management industry in China, and summarize and think about some practical problems; At the same time, translate and learn the information about credit management in Europe and America, and summarize some experiences that can be used for reference. On this basis, a practical teaching material for credit management with China characteristics is formed and compiled.

Suggestions: The relevant education management departments should create a relaxed policy environment. On the one hand, more schools should offer education on credit management majors or directions according to their local needs and abilities, so as to speed up the training of credit management talents; On the other hand, schools that have set up credit management majors or directions can let a hundred schools contend and let a hundred flowers blossom, forming the theoretical basis, ideological system and discipline framework of China's credit management education in competition and development and in practice.

second, innovation is the historical responsibility of credit management education

innovation is the soul of a nation's progress, the inexhaustible motive force for a country's prosperity and the source of our cause. The world is changing, China's reform, opening up and modernization are advancing, and the great practice of the people is developing. Education should keep pace with the pulse of social progress. The professional education of credit management in China should grow with the credit management industry.

the foundation of innovation is social practice. The foundation of educational innovation of credit management specialty comes from the social practice of credit management industry. The innovation and development of credit management industry originates from the practice and development of social economy.

The report of "Building a Well-off Society in an All-round Way and Creating a New Situation in Socialism with Chinese characteristics" in the 16th National Congress has pointed out the grand blueprint and specific development direction of social practice for us. Personally, I think that the innovation of our credit management education and the development of credit management industry will be closely linked with the future development of China's economic construction, and there will be innovations and breakthroughs in the following three aspects:

First, in the process of industrialization, urbanization and informatization. The 16th National Congress of the Communist Party of China pointed out that "realizing industrialization is still an arduous historical task in the process of China's modernization. Informatization is an inevitable choice for China to accelerate industrialization and modernization. " "Insist on promoting industrialization with informationization, promote informationization with industrialization, and embark on a new path of industrialization with high scientific and technological content, good economic benefits, low resource consumption, less environmental pollution and full play to the advantages of human resources."

"In the process of industrialization, it is an inevitable trend of industrialization and modernization that the rural affluent labor force shifts to non-agricultural industries and cities and towns. It is necessary to gradually improve the level of urbanization, adhere to the coordinated development of large, medium and small cities and small towns, and take the road of urbanization with China characteristics. "

The road to industrialization and urbanization in China will take at least ten years, and about 6 million farmers will move to cities to form a new employment force. The development of China's credit management industry cannot be separated from this important theme of China's economic construction.

in order to become a credit country and realize informatization in an all-round way, it is necessary to speed up the construction of the existing urban population credit information and credit management system, and at the same time boldly explore the credit information and credit management activities of the shifting rural population. The unlimited business opportunities of credit management institutions are looming in this field. The thought and content of China's credit management education and scientific research will definitely take this as the object. All of us, whether we are engaged in credit management education or in specific credit management institutions, must be prepared with enough courage, patience and wisdom to explore and innovate.

second, in the layout and structural adjustment of the state-owned economy. The 16th National Congress of the Communist Party of China pointed out that "it is an important task to continue to adjust the layout and structure of the state-owned economy and reform the state-owned assets management system." In fact, the 16th National Congress of the Communist Party of China proposed to give full play to the initiative of the central and local governments on the premise of adhering to state ownership, and establish a new management system to exercise the management right of state-owned assets at different levels.

China's state-owned assets management system and management system will have a great breakthrough and development. The restructuring, reorganization and auction of state-owned enterprises in various places will be accelerated, and specific measures will be introduced one after another. The credit management industry should seize this opportunity to serve this important content of economic system reform and develop itself in the service. On the one hand, in the service, credit management institutions should play the role of social intermediary, restrain and supervise the reorganization, restructuring, reorganization and auction activities in various places, so that they can operate normally on the track of honesty, trustworthiness, equality and justice; On the other hand, credit management institutions should also regulate and restrain themselves in their services, make their activities public, make their services transparent and accept the supervision of all sectors of society.

The reform of state-owned enterprises in China is a key link in China's economic system reform, which will form a characteristic development road of China. With the development of credit management industry in this field and the growth of credit management institutions, it is bound to form a characteristic road for the development of credit management industry in China. The education of credit management specialty in China must be built on the subgrade of this characteristic road. The innovation of credit management education in China will come from the service innovation of credit management institutions in China.

third, in the activity and development of individual, private and other non-public economies. The 16th National Congress of the Communist Party of China pointed out, "Give full play to the important role of individual, private and other non-public sectors in promoting economic growth, expanding employment and activating the market. Relax the market access of domestic private capital and take measures in investment and financing, taxation, land use and foreign trade to achieve fair competition. Strengthen supervision and management according to law to promote the healthy development of non-public economy. Improve the legal system for protecting private property. "

in the next step of economic work, policies and markets will give many opportunities for the development of non-public economic forms, and accordingly, investment, financing, trade and other economic activities of non-public enterprises will become increasingly active. Its demand for honesty and trustworthiness, as well as the demand for honesty and trustworthiness from all walks of life, will bring new markets and customers to credit management institutions and have a broader space for the development of credit management industry. In China, the development of non-public ownership is a problem worthy of long-term attention and in-depth study. China's credit management education must also take this as its content, study specific measures, and form a teaching system that conforms to the actual social situation in China.

building a well-off society in an all-round way is our goal. In order to achieve this goal, we must constantly innovate. "Innovation requires constantly emancipating the mind, seeking truth from facts and advancing with the times. There is no end to practice and there is no end to innovation. " "Theoretical innovation based on practice is the forerunner of social development and change."

innovation is the historic responsibility of China's credit management education. The foundation of innovation is social practice and in-depth and meticulous scientific research. Innovation requires the unremitting efforts of people of insight. Innovation needs the support and help from all walks of life.

here, I propose to set up "China Credit Education and Research Fund".

"China Credit Education and Research Fund" was spontaneously formed by the people, initiated and set up by China credit management institutions voluntarily, spontaneously formed by the people and managed by recognized credit management industry associations. Initiate the establishment in the first guild, and can increase capital in every industry annual meeting in the future.

"China Credit Education and Research Fund" is mainly used to fund the basic research, innovation and development of credit education in China, and the research on credit management combined with practice; Funding for advanced teachers who have been commended in the industry; Awards from advanced institutions and individuals recognized in the industry.

The content and research direction of the project funded by China Credit Education and Research Fund will be determined at the annual meeting of the industry, and the specific topics will be worked out by the industry organizations, and the research scope and depth should be specified. The fund management institutions of trade associations shall adopt an open and transparent way to organize the declaration and campaign topics.

The scientific research achievements of the projects funded by China Credit Education and Scientific Research Fund are shared in the industry by means of notification.

"China Credit Education and Research Fund" can accept donations from foreign institutions and individuals after discussion and understanding by people in the industry. All donations must be made on the basis of agreeing to the articles of association of China Credit Education and Research Fund.

The articles of association of "China Credit Education and Scientific Research Fund" were formed through discussion by people in the industry.

Third, take the road of combining production, learning and research

Education is the foundation and theory is the forerunner. Education and its theory should not only summarize and refine the essence of social practice, but also guide practice. Therefore, education must combine production, learning and research. The development of emerging credit management education must also enter this situation. Personally, I think we have four aspects to do in this regard.

first, universities offering credit management majors or directions should set up relevant credit research institutions according to their own actual conditions. On the one hand, follow up and study the advanced experience and latest trends in international related fields; On the other hand, we should go deep into various credit management and service institutions in China, actively participate in social practice, understand the actual situation, and summarize and study practical problems.

second, all kinds of credit management and service institutions should take the initiative to open to universities and their related research institutions according to their actual conditions. The specific ways and practices of opening up can be flexible. For example:

—— provide an internship base for higher education, and accept teachers and students majoring in credit management for regular and special internships;

-provide research projects and topics for education and its research institutions, and provide necessary research funds at the same time;

—— Actively recruit graduate students and undergraduates who have graduated in their own credit management major or direction.

Third, the management department of credit management higher education should pay more attention to this new and young major, and can organize experts and scholars in the credit field in China, integrate the available and scarce human resources in the credit field, and provide guiding opinions on textbook compilation, teacher training, student internship and employment.

fourthly, credit management trade associations can give full play to the role of communication and the advantages of organization and management, and actively carry out some work beneficial to credit education and scientific research development. For example,

—— Actively communicate with the education management department. In view of the current lack of credit management education teachers and teaching materials, the education management department will come forward to host and the credit management industry association will organize social credit management and education experts to hold short-term credit management professional education teacher training courses for universities that have established credit management majors or directions.

—— Open special columns for education, scientific research and training on the websites, yearbooks and periodicals of trade associations, and make special introductions.

Nowadays, there are many acts of dishonesty in society because they have not been punished promptly and severely. Therefore, opportunism and profiteering are repeatedly prohibited. Strict punishment for dishonesty can play the role of two mechanisms, one is that government departments should exercise administrative punishment for dishonesty according to law, and the other is to use market mechanism to play the role of commercial punishment. If our government and market establish a strict punishment mechanism, these dishonest behaviors will be greatly reduced. Therefore, we should speed up the construction of the legal system and strictly enforce the law. At the same time, the whole society should form an atmosphere. When a person breaks his promise in the market, no one will do it with him.