信用制度的充分发展是股分经济形成和发展的主要基础,是股份制运行不可缺少的社会条件,对于推进我国公有企业的股份制改造和股份经济的发展有着极其重要的意义。信用虽然不是股份公司产生的原因,但它在促进和加盟股份发展中起着极其重要的作用。一方面,股份公司的资本,是依靠发行股票集中起来的,而股票的一大部分要通过银行来发行;另一方面,银行又往往是股票的购买者。可见,股份公司的高度发展有赖于银行业的高度发展。扩而言之,信用制度集中一切社会闲置货币,通过资本市场股票的买卖,为建立股份公司提供单个资本家所无力提供的巨额货币,因此,如果没有高度发达的信用股份公司决然不可能得到大规模的发展。在资本主义发展进程中,正是由于信用制度的发展,大银行资 The full development of the credit system is the main basis for the formation and development of the stock economy. It is an indispensable social condition for the running of the stock system. It is of great significance for promoting the reform of the shareholding system and the development of the stock economy in our country. Although credit is not the cause of joint-stock companies, it plays an extremely important role in promoting and joining the development of shares. On the one hand, the capital of a joint-stock company relies on the issuance of shares; most of the shares are issued through banks; on the other hand, the banks are often the purchasers of shares. Can be seen that the high degree of development of joint-stock companies rely on the highly developed banking industry. In other words, the credit system focuses on all social idle currencies and, through the buying and selling of shares in the capital markets, provides a huge capital for the establishment of a joint-stock company that the individual capitalist can not provide. Therefore, without a highly-developed credit joint-stock company, it is impossible to obtain large- development of. In the process of capitalist development, it is precisely because of the development of the credit system that large bank funds are used