银行信用资产是以信用为基础,建立的以贷款为资本的信用凭证。市场经济则是信用经济。市场经济的发展对信用依赖程度很高。在市场经济下,信用资产是市场经济的前提与基础,对市场经济中的围观主体经济活动起了启动和引导的作用,同时也为其活动提供了现金的工具和条件。 Bank credit assets are credit-based, established loans to capital credit. Market economy is the credit economy. The development of market economy is highly dependent on credit. Under the market economy, credit assets are the preconditions and basis of the market economy, which play a role in initiating and guiding the main economic activities of the onlookers in the market economy. They also provide the cash tools and conditions for their activities.