答：一方面，德国的资信评估体系并不是最好的。在一开始，德国并没有引入资信评估、建立资信评估体系。但随着经济的发展，以及其中出现的一些问题，我们意识到了建立资信评估体系的必要性。从那时起，资信评估在德国已经发展了10到15年。最初德国的资信评估业与银行并无太大 A: On the one hand, Germany's credit rating system is not the best. In the beginning, Germany did not introduce credit rating and establish a credit rating system. However, with the economic development and some of the problems that have arisen therein, we have realized the necessity of establishing a credit rating system. Since then, credit rating has been developed in Germany for 10 to 15 years. Initially Germany's credit rating industry and the bank is not much