随着国内首部征信法和人民银行全国征信体系建成,信用文化已成为武汉重点培育的文化之一。虽然武汉在企业信用监管和政府信用重塑上取得进展,但在信用文化培育中仍存在政府对失信危害认识不足、市场型征信机构缺乏、地方信用管理立法滞后、信用报告内容不完善及居民守信意识差等深层难点,需通过推行官德建设、整合全市征信资源、完善信用评估方法、修订地方法律法规、加强居民诚信教育及建立地方信用奖惩机制等举措促信用文化的形成。 With the completion of the first credit law in China and the national credit reporting system of the PBC, credit culture has become one of the key cultures nurtured by Wuhan. Although Wuhan made progress in corporate credit supervision and government credit remodeling, there still exist some problems in the cultivation of credit culture, such as the lack of understanding by government about the danger of losing credit, the lack of market-based credit reporting institutions, the lag of local credit management legislation, the imperfect content of credit reports and residents’ Poor trustworthiness and other deep difficulties, the need to promote credit culture through the promotion of official ethics, integration of the city’s credit resources, improve credit assessment methods, amend local laws and regulations, strengthen residents’ honesty education and establish local credit rewards and punishments.