我国社会信用危机的存在有多方面的原因:社会体制转轨导致社会秩序失范;社会转型导致道德困惑;信用法规不健全,缺少法治观念。建立社会信用体系需要从以下几方面着手:以道德观教育为切入点,构建信用体系的思想基础;建立道德建设的长效机制;信用行为应是一种“制度安排”。同时,社会信用体系的构建还需要法律保障。 There are many reasons for the existence of social credit crisis in our country. The social system transition leads to the loss of social order. Social transformation leads to moral perplexity. The credit laws and regulations are not perfect and the concept of the rule of law is lacking. The establishment of a social credit system needs to start from the following aspects: the moral education as a starting point, the ideological foundation for building a credit system; establishing a long-term mechanism for moral construction; credit behavior should be a “system arrangement.” At the same time, the construction of social credit system also needs legal protection.