国家开发银行行长陈元在接受采访时指出：当前我国最大的问题是信用缺损，信用体系不健全。完善的信用体系有三个层次：第一层是法律框架基础，就是法律制度；第二层是市场惩罚和政府约束；第三层是道德约束，是更高层次的。从信用结构来看，政府信用是最大的信用，市场信用、 Chen Yuan, president of China Development Bank, said in an interview: At present, our country’s biggest problem is the lack of credit and the sound credit system. The perfect credit system has three levels: the first floor is the foundation of legal framework, which is the legal system; the second floor is market punishment and government restraint; the third floor is moral restraint and is higher level. From the credit structure point of view, the government credit is the largest credit, market credit,