孔子曰:“谨而信;与朋友交、言而有信;人而无信,不知其可也”。这是两千多年前的古训,也是中华民族传统文化和道德规范的核心内容之一。随着我国经济体制改革的深入和加入世贸组织后国际金融和经济的接轨,加强社会信用体系建设,完善信用制度是改革开放的重中之重。发展经济必须走市场经济之路,市场经济是建立在信用基础上的经济,如果不讲信用,其结果是损人不利己,只能催生无序与恶性竞争的市场,同时,金融行业也将付出 Confucius said: “cautious and trustworthy; with friends, words and have a letter; people without a letter, I do not know their may also ”. This is an ancient example of more than two thousand years ago and one of the core elements of the traditional Chinese culture and ethics. With the deepening of China’s economic reform and the integration of international finance and economy after its accession to the WTO, strengthening the construction of a social credit system and improving the credit system are the top priorities of reform and opening up. The development of economy must take the road of market economy. Market economy is an economy based on credit. Without credit, the result is to harm the self-benefiting people and lead to a disorderly and vicious market. At the same time, the financial industry will also pay