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信用制度是指国家为确保信用和信用活动正常进行而制定的有关法律法规等，如信用征集、信用调查、信用评估、信用保证等信用活动中的工具采纳、机构设置、法律责任和监督管理等。 信用体系有广义与狭义两种理解，广义的信用体系是指包括信用记录、信用征集、信用调查、信用评价
The credit system refers to the relevant laws and regulations formulated by the state to ensure the normal operation of credit and credit activities, such as the adoption of instruments in credit activities such as credit collection, credit investigation, credit evaluation, credit guarantee, institution establishment, legal liability and supervision and administration . Credit system has two kinds of generalized and narrow sense of understanding, the generalized credit system refers to include credit records, credit collection, credit investigation, credit evaluation