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信用是经济主体之间达成契约、实现交易的必要条件,因此,信用不仅体现在延期交易和资金借贷这样的特殊交易形式中,也存在于一切形式的市场交易活动中。信用的本质就是对契约关系中的义务承担者履约意向、履约能力和履约后果的确定性预期。信用的运动表现为信用在时间和空间上的延续,信用的过度膨胀和过度收缩则是信用的两种畸形运动方式。一个经济主体和其他经济主体之间一旦形成外围中心式的信用结构,就会对社会经济生活产生重要影响。从局部信用和社会整体信用之间的关系看,局部信用的丧失通常会促使经济主体之间的契约趋于完备,但完备性契约能够降低风险、减少长期交易费用的假设是以良好的社会整体信用关系为前提的。因此,一个完善的制度环境是建设社会信用体系的坚实基础。
Credit is a necessary condition for a contract and realization of transactions between economic agents. Therefore, credit is not only reflected in special trading forms such as deferred transactions and money lending, but also in all kinds of market trading activities. The essence of credit is the definite expectation of the performance intention, performance ability and performance consequence of the duty bearer in the contractual relationship. The performance of the credit performance of credit in time and space continuity, credit over-expansion and over-contraction is the credit of two deformities. Once an economic center and other economic entities form a peripheral centric credit structure, they will have a significant impact on social and economic life. From the relationship between the local credit and the overall social credit, the loss of local credit usually leads to the completion of the contract between economic agents. However, the complete contract can reduce the risk and reduce the long-term transaction cost based on the good social whole Credit relations as a precondition. Therefore, a sound institutional environment is a solid foundation for building a social credit system.