假如没有信用体制的话,融资者将失去融资渠道,因为市场上的其他方对他们缺乏信任缺乏研究,无法评估他们的价值,也就意味着他们很难融资或融资成本很高,甚至会导致融资渠道的关闭。假如没有信用体系将使得整个社会失去调配资源的能力,也就是说闲置的资源无法流向能为社会创造更多财富更多就业的项目上 Without a credit system, financiers will lose access to financing because the lack of research on the part of other parties in the market about their lack of trust will make it impossible to assess their value, which means that they will find it difficult to finance or finance high and may even result in financing Channel closure. If no credit system will make the whole society lose the ability to allocate resources, that is, idle resources can not flow to create more wealth for the community more jobs on the project