当今中国,信用是使用频率最高的一个名词,信用环境恶化己成为全社会最关注的问题之一。信用环境恶化对社会经济生活产生的危害是多样的。它不仅严重影响社会的投资和消费,破坏企业的正常经营,加大企业经营成本,并且还使政府的宏观调控政策和工具难以发挥作用。在信用环境恶化的情况下,为保障资金安全,投资者不敢投资,银行不敢放贷,这样使政府启动投资、扩大内需政策的效用大打折扣。除此之外,信用恶化还造成社会风气败坏,道德水平滑坡,并直接破坏社会的法制基础。因此,如何制止信用恶化,健全信用机制,便成为各行各业关注的 In today's China, credit is the most frequently used term. Deterioration of the credit environment has become one of the most concerns of the whole society. The deterioration of the credit environment on the social and economic life are the hazards. It not only seriously affects social investment and consumption, undermines the normal operation of enterprises, increases the operating costs of enterprises, but also makes it difficult for the government's macro-control policies and tools to play a role. In the deteriorating credit environment, in order to ensure the safety of funds, investors are afraid to invest and banks are afraid to lend. This greatly reduces the effectiveness of the government in starting up investment and expanding domestic demand. In addition, the deterioration of credit has also caused the deterioration of social ethos, the decline of moral standards and the direct destruction of the legal foundation of society. Therefore, how to stop the credit deterioration and improve the credit mechanism has become the concern of all walks of life