一、健全信用机制的重要性和必要性在商品交换的早期,采取以货易货的形式进行交换,不存在什么交换风险,所以信用机制无须建立。随着商品交换的发展,出现了银行信用与商业信用的各种形式,如银行的汇票、支票、信用证等,商业的赊销、代销、委托、信托等,商业风险由此而生。为避免商业风险就需要建立信用制度。我国已加入了WTO,WTO倡导的是市场经济,市场机制是WTO关注的中心。市场经济是发达的商品经济,是建立在信用基础上的交换经济。信用是现代市场经济的基本构成要素之一,是市场经济的灵魂。任何经济活动的运行都离不开信用。要树立信用,就必须构建健全的信用机制。建立健全社会信用机制的根 First, improve the importance and necessity of the credit mechanism Early in the exchange of goods to take the form of barter exchange, there is no risk of exchange, so the credit mechanism need not be established. With the development of commodity exchange, various forms of bank credit and commercial credit appear, such as bank draft, check, letter of credit, etc., commercial credit, consignment, commission, trust, etc., resulting in commercial risk. To avoid business risk, we need to establish a credit system. China has joined the WTO. The WTO advocates a market economy. The market mechanism is the focus of the WTO. Market economy is developed commodity economy, is based on the credit exchange economy. Credit is one of the basic elements of a modern market economy and the soul of a market economy. The operation of any economic activity can not do without credit. To establish credit, we must build a sound credit mechanism. Establish and improve the root of social credit mechanism