市场经济是法制经济,也是信用经济;科学技术是生产力,信用也是一种生产力。这种观念在我国尚未建立,更未深入人心,随着我国市场经济的进一步深入和发展,信用缺失现象却愈加严重和泛滥。据资料统计,我国每年因逃废债务造成的直接经济损失约1800亿元,假冒伪劣商品造成的直接经济损失至少2000亿元,由于三角债和现款交易增加的财务费用约有2000 Market economy is the legal economy, but also the credit economy; science and technology are productivity, credit is also a productivity. This concept has not been established in our country and has not gained popular support. With the further deepening and development of China’s market economy, the phenomenon of credit shortage has become even more serious and widespread. According to statistics, the direct economic losses caused by debt escaping each year in our country are about 180 billion yuan and the direct economic losses caused by fake and shoddy goods are at least 200 billion yuan. As the financial cost for the increase of the triangular bonds and cash transactions is about 2,000