市场经济是建立在法制和信用基础之上的商品经济,法制的基础是信用。信用(credit)的心理特征是信任.其经济学意义在于它构成了社会的“信任结构”。在市场经济中.信用既作为一种基本道德准则和经济活动的基本要求来规范市场主体的各种交易行为.又作为一种法律制度来约束授信人和受信人的权利和责任。 Market economy is based on the legal system and credit based on the commodity economy, the legal system is based on credit. The psychological feature of credit is trust, which is economically significant because it constitutes the “trust structure” of society. In the market economy, credit not only serves as a basic moral criterion and the basic requirement of economic activity to standardize various transactions of market participants, but also serves as a legal system to restrain the rights and responsibilities of creditors and fiduciaries.