The Influence Of The Negative Factor Of Chinese Traditional Culture On Individual Credit

Credit is an outcome of humanity civilization, and is the social relation in essence. It belongs to the category of the humanity moral, and also belongs to the categories of economics and superstructure.It, which controls the elasticity and exaggeration of the whole credit system, is the base of the whole system of the credit and the key diathesis of whether economy can develop well. The situation of credit system is in disorder and status of individual credit is in deterioration at Present time make us pay too much economical cost and social cost. Therefore, to study the causation of individual to keep or to break his/her faith is very important to discuss how to better the situation of individual credit in our country, how to establish the suitable system of individual credit and how to Promote the development of economy.Culture is a summation of substantial production, inspirit form and system, agreement, intercourse fashion, life habitude, language and thinking mode, which created by a nation. Culture influence individual action strongly. Is there any relation between breaking faith and Chinese traditional culture? It is necessary to analyze Chinese traditional culture deeply.In the article, the theory of games, cross-cultural comparative analysis are used to analyze the influence of Chinese traditional culture on individual credit. The conclusion is that there is some factor existed in Chinese traditional culture block the building of business integrity system. The advice of resolving the credit problem on current society is: establish the clear property rights system; strengthen the honesty, trustworthiness morality education; establish the national network personal credit information system; increase media exposure of the fraud; establish a personal insolvency system; increase the penalties on acts of bad faith; establish an independent judicatory authority in other jurisdictions; train citizens "contract culture" concept; establish a democratic, honest and efficient government.