本应以“诚信”为生命的会计师事务所不断爆出丑闻,一向知书达理的大学生拒还助学贷款,城市信用的丧失愈演愈烈,商业银行的坏账越积越多。随着中国加入 WTO,个人信用问题不仅构成许多行业发展的重大障碍,也正在成为困扰中国发展的严重社会问题。调查显示,失信仅次于腐败,已经成为阻碍我国经济发展的第二大因素。 The accounting firms that should have been based on “honesty ” have constantly exposed scandals. Students who have always been aware of their reasons for refusing to pay student loans have become increasingly fierce. The loss of urban credit is getting worse and worse. More and more bad debts accumulate in commercial banks. With China’s accession to the WTO, the issue of personal credit not only constitutes a major obstacle to the development of many industries, but it is also becoming a serious social problem that troubles China’s development. According to the survey, second only to corruption, it has become the second factor that hinders the economic development of our country.