“一言既出,驷马难追”。我国古代就特别重视诚实守信的个人信用理念。但在社会主义市场经济不断发展的今天,各种违约、逃废债务等失信行为为何会如此普遍呢?究其原因除了人们的信用意识淡漠外,更主要的是由于我国缺乏完善的个人信用立法和严格有效的信用执法环境,失信惩罚机制不健全,造成失信收益远远大于失信成本。因此,积极推进个人信用 “In a word out, stupid catching ”. In ancient China, we paid special attention to the personal credit concept of honesty and trustworthiness. However, with the continuous development of the socialist market economy, why such acts of default such as default and evasion of debt are so common? Apart from the indifferent of people’s credit awareness, the main reason is that our country lacks a complete personal credit legislation And strict and effective credit law enforcement environment, the system of punitive deception punishment is not perfect, resulting in dishonest benefits far greater than the cost of dishonesty. Therefore, actively promote personal credit