美国信用体系完善,信用立法、担保机构、征信机构共同促使美国市场经济的健康发展。在其发展历程中,美国建立了一系列法案来规范企业融资行为,保障企业融资效率。同时建立了失信惩戒机制来防范风险,避免逆向选择和道德风险的发生。通过研究其相关信用立法以及融资经验,我们可以结合我国国情,引进相关经验,从而促进国内信用体系建设的发展。 The sound credit system in the United States, credit legislation, guarantee agencies and credit agencies jointly promote the healthy development of the U.S. market economy. In its course of development, the United States has established a series of bills to regulate the financing activities of enterprises and ensure the efficiency of corporate financing. At the same time, a system of punishment for dishonesty has been established to prevent risks and avoid adverse selection and moral hazard. By studying its relevant credit legislation and financing experience, we can introduce relevant experiences in light of China’s national conditions so as to promote the development of the domestic credit system.