本文认为 ,产权和自由是社会信用生成的两个前提条件和重要基础。明晰而得到保护的产权制度具有这样一种功能 :给人们提供追求长期利益的稳定预期和重复博弈的基本规则 ,严格的信用关系只有在产权明晰、不同产权都能得到保护的基础上生长起来。我国要建立良好的市场秩序和社会信用供给 ,就必须从宪法上宣布对任何合法获得的私有财产给予严格保护 ,并以《民法》等一系列相关法律加以具体落实。而自由作为信用生成的重要源泉之一 ,首先特指充分的自由竞争 ,同时又指对政府权力的某种限制和对人民自由选择权利的尊重及保护。自由机制的健全程度对信用生成具有重大作用 ,并且与信用在经济活动中的权威性地位呈正相关关系 This article argues that property rights and freedom are two preconditions and important basis for the generation of social credit. Clear and protected property rights system has such a function: to provide people with the basic rules of stable expectation and repeated games in the pursuit of long-term interests. Strict credit relations are only based on the clear property rights and different property rights can be protected. In order to establish a sound market order and social credit supply, China must announce its constitutional protection of any legally obtained private property and implement it in a series of relevant laws such as the Civil Law. As one of the most important sources of credit generation, freedom first refers to full freedom of competition. At the same time, it also refers to some restriction of government power and respect and protection of the people’s right of free choice. The soundness of the free mechanism has a significant effect on credit generation and has a positive correlation with the authoritative position of credit in economic activities