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我国在民商法制定、推行过程中,针对个人信用已经做出了初步的解释说明,人们也逐渐认识到了个人信用发挥的积极作用。但是在具体进行民商法、个人信用系统现实融合过程中,因为种种因素的制约,出现了许多困难与障碍,而要想在现代社会发展中,真正实现民商法、个人信用体系的有机融合,就必须要有效攻克其各种融合障碍。
In the process of formulation and promotion of civil and commercial law in our country, China has made preliminary explanations and explanations for personal credit. People have also gradually realized the positive role played by personal credit. However, in the process of concrete integration of civil and commercial law and personal credit system, many difficulties and obstacles have emerged because of various factors. In order to realize the organic integration of civil and commercial law and personal credit system in the development of modern society, We must effectively overcome its various fusion obstacles.