| The problem of "Credit" has attracted much attention since 2001. President Jiang Zemin indicated, "Without credit, there will not be market order, or Market Economics could not develop healthily". At present, the phenomena of lacking credit are very serious in our country. Such behaviors are very popular: business swindle, selling fake commodities, breaching contract, being in debt among one another, enterprises have no the three necessities, enterprises that put their stock in market give false number on their property. The serious credit loss has become an important factor to decide whether the market can develop healthily or not. Building an effective credit system to make the economy develop is very urgent.This article starts from the basic theories of credit, analyzes the concept of credit and its classification in general and on the basis of economic activities .The second part of this article describes phenomenon of lacking credit in our society and the terrible bad influence. Writer analyzes the possible factors, which will lead to this phenomenon. The third part gives out a total suggestion about how to build a reasonable credit system which is in the scope of society engineering of credibility system. As the micro basis of market economy, the enterprise is the key factor in establishing the credit system of the whole economy. Enterprises should .progressively reform their institution, enforce the internal credit management, and set up credit mechanism conforming to the international rule to adapt the new situation after China's entry into WTO. Society plays an important role in the forming of credit system, and thus we must try to change the moral atmosphere according to the goal of integrity-focused environment, that is, guided by the market rules, to emphasize the spirit of contract and actively develop credit agency institutions. The fourth part focus on the existing problem of industry and commercialoffer some reasonable way of solving problem.
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