良好的社会信用体系是社会主义市场经济有效运行的重要基础条件。所谓信用,就是信守承诺,说到做到。信用既是指能够履行跟别人约定的事情而取得的信任,叫作讲信用,也是指不需要提供物资保证,能够按时归还偿付的信用贷款。在现代市场经济活动中,从商品市场的买卖到资本市场的借贷,从要素市场上的交易到证券市场上的支付等,无不体现着信用。我国目前仍处于社会经济转轨时期,由于体制原因和人们思想认识上的偏差,个人信用、企业信用、商业信用等尚未很好 A good social credit system is an important basic condition for the socialist market economy to operate effectively. The so-called credit, is to keep its promise, when it comes to. Credit refers not only to be able to perform things agreed with others trust, known as prestige, but also do not need to provide material security, be able to repay credit loans on time. In the modern market economic activities, everything from the sale of commodity markets to the lending of capital markets, the transaction from factor markets to the payment of securities markets all reflect credit. At present, China is still in the period of social and economic transition. Personal credit, corporate credit, commercial credit, etc. have not been very well due to the institutional reasons and the deviation of people’s ideological understanding