信用体系的建立是一项社会工程。就其框架而言,大体应包括三个组成部分,即信用制度体系、信用服务体系、信用保障体系。一、信用制度体系信用建设的基础是制度建设。在市场经济条件下,各利益主体之间的经济活动,必须同时接受来自两个方面的约束,即法律约束(如合同法、专利法、反不正当竞争法等)和道德约束。但实践表明,要规范市场经济中的信用行为,仅有这些是不够的,也就是说,对经 The establishment of a credit system is a social project. As far as its framework is concerned, it should generally include three components: the credit system, the credit service system and the credit guarantee system. First, the credit system Credit system is based on the construction of the system. Under the condition of market economy, the economic activities among various stakeholders must accept the restriction from two aspects at the same time, namely the legal restriction (such as contract law, patent law, anti-unfair competition law) and moral restraint. However, practice shows that it is not enough to regulate the credit behavior in the market economy. That is to say,