世界各国的经济发展状况表明：一国市场经济走向成熟，经济形态必将转向信用经济形态。发达国家的社会信用管理体系较为完善的标志之一是信用数据的征集体系齐全，市场主体的各方面可随时获取任何一家企业和消费者的真实资信状况，达到这一水平的国家被称为征信国家。目前，世 The economic development of all countries in the world shows that: when a country’s market economy is maturing, its economic form will surely turn to a form of credit economy. One of the more perfect signs of the social credit management system in developed countries is that the collection system of credit data is complete, and the real creditworthiness of any enterprise and consumer can be readily obtained by all parties in the market. The countries that reach this level are called levy Letter country. At present, the world