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引言我国正处于社会变革和经济转型时期,信用体系的不完善、信用秩序的混乱、调控机制的弱化及失信行为的泛滥严重威胁着国家经济安全,已经引起国家及社会各界广泛的关注,人们不失时机的纷纷献计献策。试图从各个角度规范信用。政治上提出依法治国与以德治国相结合的治国方略,经济上提出信用资本论等这些都表明人们与失信行为做斗争的决心和勇气,这些不仅反映了道德、法律和经济之间内在的必然的联系,而且也反映出信用在社会生活中地位的提高和人们日益强烈的重信用的价值取向。法国经济学家布鲁诺·希尔德布兰德(BrunoHild-Brand.1812～1878)认为人类社会经济的发展经历了三个时期,即自然经济时期、货币经济时期和信用经济时期。三个时期的划分标准是产品的交易方式,自然经济时期是物物交换,货币经济时期是以货币为媒介的交换,信用经济时期是以信用
Introduction China is in the period of social transformation and economic restructuring. The imperfection of the credit system, the disorder of the credit order, the weakening of the regulatory mechanism and the proliferation of dishonesty seriously threaten the economic security of the country. It has caused widespread concern in the country and society and people lose no time Have dedication and advice. Trying to standardize credit from all angles. Political determination and courage to fight against the dishonesty are not only reflected in the inherent inevitability between morality, law and economy, but also in politics, such as putting forward the strategy of governing the country according to law combined with the rule of virtue and economically putting forward the theory of credit capital. But also reflects the credit standing in social life and people's increasing value orientation of heavy credit. The French economist Bruno Hild-Brand.1812 ~ 1878 thinks that the development of human society and economy has gone through three periods: the natural economy, the monetary economy and the credit economy. The standard of division in the three periods is the transaction mode of products, the exchange of objects in the period of natural economy, the exchange of currency in the monetary economy period, the exchange of credit in the credit economy period