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社会转型期,在我国经济和社会发展中,面临着诸多的信用缺失问题,如一些企业不讲信誉,不遵守信用契约,假冒伪劣商品和坑蒙拐骗现象较为普遍；一些地方官员办事有失公正,大搞地方保护,工作缺乏公开性、透明度；一些个人信用意识淡薄,失信行为频频发生等等。这些问题的存在,严重影响着社会主义市场经济的健康发展。构建和谐社会,加快信用建设刻不容缓。
In the period of social transformation, in our country’s economic and social development, there are many problems of lack of credit. For example, some enterprises do not talk about credit and do not respect credit contracts, while counterfeit and shoddy goods and abduction and abuse are commonplace. Some local officials are unfair and serve the interests of the public, Encourage local protection, the lack of openness, transparency; some weak personal credit awareness, dishonesty and so on. The existence of these problems seriously affects the healthy development of the socialist market economy. Constructing a harmonious society and accelerating credit construction are imperative.