现代市场经济是建立在法制基础上的信用经济,高度发达的信用机制在保障交易简便、迅捷、安全,防范交易风险,提高市场资源配置效率等方面发挥着积极作用。但近年来,在我国市场经济体制初步建立的过程中,由于信用观念弱化,市场主体的内在信用控制制度残缺,市场与社会对市场主体的外在信用约束机制乏力,导致忽视甚至践踏信用的现象较为普遍,种种失信行为已严重破坏了市场交易秩序,其范围之广、程度之深令人忧虑,社会信用秩序的极度混乱已严重扭曲正常的经济关系,恶化了市场信用环境和市场秩序,直接影响了国民经济生活和资源配置 The modern market economy is a credit economy based on the legal system. The highly developed credit mechanism plays a positive role in ensuring the simplicity, speed and security of transactions, preventing trade risks and increasing the efficiency of market resources allocation. However, in the process of initial establishment of the market economy system in our country, due to the weakening of the credit concept, the inherent credit control system of the market subject is incomplete, and the external credit constraint mechanism of the market and society to the market body is weak, which leads to the phenomenon of ignoring and even trampling credit The widespread dishonesty has severely undermined the order of market transactions. The scope of the scheme is so wide and deep that it is deeply worrisome. The extreme chaos in the social credit order has seriously distorted the normal economic relations and deteriorated the market credit environment and market order. Directly Affecting the national economic life and resource allocation