一、引言信用是商品、货币发展到一定阶段的产物。在现代市场经济发展中,信用渗透到经济生活的各个领域。可以说,离开信用,市场经济不可能前进一步。然而,人们对信用的认识经历了一个过程。在计划经济条件下,“信用”不曾为人们问津。改革开放以来,虽然民法通则等法律对信用已有规定,但也不曾为人们所广泛关注。随着社会主义市场经济的发展,信用法律问题的研究显得日益重要。首先,信用是市场经济发展的基础,人与人之间的良好的诚信关系是市场经济正常运转的根本条件。如果忽视了信用的地位和作用,就不可能把握市场经济发展的全局。而信用涉及道德、法律等多方面的问题。但是,谁都不否认,在建立信 I. Introduction Credit is the product of the development of commodities and money to a certain stage. In the modern market economy, credit has permeated every area of ​​economic life. It can be said that leaving the credit market economy can not go one step further. However, people's understanding of credit goes through a process. Under the conditions of a planned economy, “credit” has never been of interest to people. Since the reform and opening up, although laws such as the General Principles of Civil Law have stipulated the credit, they have not attracted much attention from people. With the development of the socialist market economy, the research on the legal issues of credit has become increasingly important. First of all, credit is the basis for the development of a market economy. Good interpersonal integrity is the fundamental condition for the normal operation of a market economy. If we ignore the credit status and role, it is impossible to grasp the overall situation of market economy. Credit involves many aspects such as morality and law. However, no one denies that in establishing a letter