在金融交易还缺乏制度保证的前提下,交易过程的信息不对称就会强化,尤其是企业的失范行为得不到应有的惩处,必将导致“信用缺失”的蔓延,助长侵害银行债权行为发生;应通过改善信用环境,建立政府、企业、银行三位一体相互信任关系,完善相关信用制度,引导各种行为主体参与金融交易的行为方式趋于合理,以抑制侵权行为。 Under the premise of lacking of system guarantee in financial transaction, the information asymmetry in the transaction process will be strengthened. Especially, the unregulated punishment of enterprises can not be properly punished, which will inevitably lead to the spread of “credit deficiency” Debt behavior should occur; improve the credit environment, the establishment of government, business, banking trinity of mutual trust, improve the relevant credit system, and guide the behavior of various actors involved in financial transactions tends to be reasonable in order to curb infringement.