信用是指以偿还为条件的商品或货币等价物的贷与借的运动,即由国家通过立法并实施监督而建立的信任关系。现代信用关系是建立在法制信任基础上的,商品或货币等价物、衍生物的有条件让渡的现代表现,由银行信用、商业信用、国家信用和消费信用组成。其中银行信用占主导地位,是现代信用关系建立的标志,也是现代信用作用于经济生活的主要途径。银行是信用高度发达的产物,诚信是银行的天职,是银行的立命之本。一旦作为信用象征的银行权威衰落,出现信用危机,就会对现代信用关系形成全面的冲击,进而影响到经济的发展和社会的稳定。银行资产的主要来源是社会公众的存款,银行吸收存款的最终目标是通过运用存款获取利润。商业银行只要运用存款,就要承担或大或小的经营风险,这种风险一 Credit refers to the repayment of commodities or monetary equivalent conditional loans and borrowings, that is, by the state through legislation and supervision of the establishment of the trust relationship. The modern credit relationship is a modern manifestation of the conditional transfer of commodities or monetary equivalents and derivatives based on the trust of the legal system. It consists of bank credit, commercial credit, national credit and consumer credit. Among them, bank credit dominates the establishment of modern credit relations, as well as the main means by which modern credit functions in economic life. The bank is a highly developed product of credit, sincerity is the bounden duty of the bank, is the foundation of the bank. Once the banking authority declines as a symbol of credit and a credit crisis occurs, it will have an overall impact on the modern credit relations and thus affect the economic development and social stability. The main source of bank assets is the deposits of the public. The ultimate goal of banks to absorb deposits is to make profits by using deposits. Commercial banks as long as the use of deposits, we must assume greater or lesser business risk, this risk a