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信用作为一种特殊的价值运动形式是指商品资本的赊购赊销和货币资本的借贷行为，前者形成商业信用，后者形成银行信用。在市场经济日益发达的今天，交易方式的货币化和信用化是其显著特点，信用制度已成为一种特殊的交易方式。信用风险是指由于公司的客户可能违约或破产而引起
Credit as a special form of value movement refers to the credit of commodity credit and the borrowing of monetary capital. The former forms commercial credit and the latter forms bank credit. With the market economy developed day by day, the monetization and credit of the transaction mode are its distinctive features. The credit system has become a special transaction mode. Credit risk is the result of a client's default or bankruptcy