在目前有关信用问题的理论探讨中,存在着一种重制度而轻道德的倾向。毫无疑问,制度和制度建设,在社会信用体系的建构和信用秩序的重建过程中,具有举足轻重的地位。制度的不完善和制度效力不同程度的缺失,是导致社会信用秩序混乱的一个重要原因。因此,在现代市场经济条件下,尤其 In the current theoretical discussion on the issue of credit, there is a tendency of re-rating and light morality. There is no doubt that the construction of the system and system plays a decisive role in the construction of the social credit system and the reconstruction of the credit order. The imperfection of the system and the absence of the varying degrees of effectiveness of the system are the important reasons for the disorder of the social credit order. Therefore, in the modern market economy, especially