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一、我国信用现状及其原因分析我国的信用缺失问题主要表现在三个方面:一是政府信用缺失。政府盲目干预经济,一些地方政府在资金借贷问题上,干预金融机构资金运作,造成银行不良贷款率居高不下。二是企业信用缺失。在商品信用方面,表现在企业和商家对消费者的各种欺诈和欺骗行为,假冒伪劣商品泛滥。在资金借贷信用方面的失信行为突出表现为:企业长期大量拖欠银行贷款并借各种名义逃废债务,上市公司做假账、虚报利润、圈股民的钱;
First, the status quo of China’s credit and analysis of China’s credit problems mainly in three areas: First, the lack of government credit. The government blindly interfered with the economy. Some local governments interfered with the operation of financial institutions’ funds in the aspect of fund lending, resulting in the high non-performing loan ratio of the banks. Second, the lack of corporate credit. In the aspect of commodity credit, it is manifested in various frauds and deceptions to consumers by enterprises and businesses, and the proliferation of fake and shoddy goods. The dishonest behavior in the aspect of fund lending and credit highlights the following problems: massive long-term arrears of bank loans by enterprises and escaping debts and debts in various names, making false accounts of listed companies, making false profits and encircling investors’ money;