| Credit has its broad sense and narrow sense. Narrowly speaking it depends on the basis of the person who give credit to another person and makes the latter one have the ability of getting goods, service ,money and do not need to pay cash. Credit Peopletoften speak of just means this kind of narrow credit. In its broad sense, the content of credit is the unity of subjective honesty keeping one's words and objective ability of paying back. Among the economic systems, the purpose is to seek the maximums of long-term benefit, its psychological promise which depends on keeping words honesty and will and ability which put the contract into practice on schedule, also its codes of conduct and trade rules which form and develop from them. This thesis mainly does with this kind of credit.Market economy is lawful economic and even credit economic. Credit is the modern market economic life. Since the 3rd conference of the 11th national congress of CPC. Our country has taken a series of measures and Policies, has carried out reform and opening up, So economy has changed from plan economy to market economy, Up to now, the socialist market economic system has been set up firstly and has stepped into the economic global trend. But many problems haven't been solved and changed completely under the old economy system, Which blocks the normal motion and globules of economy greatly. And credit is one of the most projecting problems among them.In recent years, in our economy life, anti-credit and nonstandard behaviors have become more and more wide, the details have become more and more serious. All of them have a badly effect on the interests of our nation in economic development and reform. The worsening of credit surroundings has produced much damage to social economic life, such as: market which is short of credit affects the social investment and consume and destroys the normal management of enterprise, enlarges costs of enterprise management, makes the macroscopic control tool useless and enterprise are not willing to invest, banks aren't willing to make loans ,and it's difficult for the government to start investment and enlarge domestic demand, Even it directly damages the basic of social legal system, and all types of economic principal parts are difficult to form the legal frame in the basis of construction. Many enterprises compete in all kinds of improper ways and ruin the social atmosphere and decline the morals level.Institutions as a kind of blinding mechanism which limits the mutual relationbetween people have regular ones and irregular ones. Credit institutions is a certain arrangement too. It also include regular one and irregular one. It plans and guarantees credit behaviours and its relatives, which bind people's certain specified acting behaviour rules, One of the main function of credit institution is to reduce the uncertain factors in economic activities and connections, and to help people form steady and reliable the desired results. The main expressions and damage of irregular credit institutions in china are that the outstanding moral customs are only people's oral preaching and the present consciousness of keeping credit is low. And the most serious thing is that the society shows rather calm and is used to the informal credit institution. The damage of formal credit institution focuses on the drug of systems, such as no law to rely on ,not relying on the rule of law and denial of justice.The building of Euro-America developed countries has practical experience of over 100 years, and they have formed a relatively complete social credit system, for example, people have good consciousness of social credit, and they form a great demand of credit goods, and they have improved legal system and sound credit management system, which makes the media organizations work standard .The building of social credit system involves economy, law, society and so on .It is a innumerable and Complex social system project. It's our inevitable choice to learn from the ways of credit checking countries.To...
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