近年来,地产业滑坡、股市重创、大型企业破产、贷款利率急剧下调等等一系列金融危机表征,使全球信用危机愈演愈烈,给债权人尤其金融债权人带来艰难处境。然而更为遗憾的是,我国尚未建立起完善的信用体制,信用立法滞后,因而使信用危机下债权的法律保护显得力不从心。 In recent years, a series of financial crisis representations such as the real estate slump, the stock market crash, the large-scale corporate bankruptcy and the drastic downward adjustment of the loan interest rate have intensified the global credit crisis and brought hard conditions to creditors, especially financial creditors. However, what is even more regrettable is that our country has not yet established a sound credit system and the credit legislation lags behind so that the legal protection of claims under the credit crisis seems to be inadequate.