信用是伴随人类文明和市场经济发展而出现的。随着我国国内外贸易的快速发展,信用风险逐渐成为重要的经济风险之一。在信用危机出现后,客观上要求建立一种经济机制去补偿债权人遭受的损失,以充分发挥信用制度对商品生产的促进作用。作为转嫁信用风险的有效工具,信用保险应运而生,不仅受到世界各国的青睐,而且给开放中的中国保险业注入新的活力,其社会需求也与日俱增。但由于我国信用体系的发展 Credit came along with the development of human civilization and market economy. With the rapid development of China’s domestic and foreign trade, credit risk has gradually become one of the important economic risks. After the emergence of the credit crisis, objectively requires the establishment of an economic mechanism to compensate creditors suffered losses in order to give full play to the credit system to promote the role of commodity production. As an effective tool to transfer credit risk, credit insurance came into being, not only by all countries in the world, but also to inject new vitality into the open China’s insurance industry, and its social needs are also increasing. However, due to the development of China’s credit system