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信用档案是社会主义市场经济发展到一定阶段的必然产物。由于我国市场经济体制还很不完善,信用档案的建立和完善要经历一个渐进的过程。笔者认
Credit files are the inevitable product of the development of the socialist market economy to a certain stage. Due to the imperfect market economy system in our country, the establishment and improvement of credit archives will go through a gradual process. I think