市场经济需要信用机制对其约束,而信用档案是这种约束机制得以确立的基础。因此,在我国以政府为主体建立信用制度和以社会为主体构建信用体系之时,必须以建立起一个公正准确的企业和个人信用档案管理系统为前提条件。然而,信用档案作为一种新的档案种类,人们对其还不十分了解。 The market economy needs the credit mechanism to restrain it, and the credit file is the foundation to establish such restraint mechanism. Therefore, when establishing the credit system with the government as the main body and the credit system with the society as the main body, we must establish a fair and accurate credit file management system for enterprises and individuals as the prerequisite. However, credit files, as a new type of files, are not yet well understood by people.