现代市场经济就是信用经济。现代市场经济中的大部分交易都表现为信用交易,信用关系是社会成员之间的基本经济关系。我国经过20多年的改革开放,社会主义市场经济体制基本确立,信用在我国市场经济条件下正发挥着重要的作用。然而,我国的信用体系还处于起步阶段,需要不断的充实和完善。 Modern market economy is the credit economy. Most transactions in the modern market economy are characterized by credit transactions, and credit relations are the basic economic relations among members of the society. After more than 20 years of reform and opening up in our country, the socialist market economic system has basically been established. Credit is playing an important role under the conditions of our market economy. However, China’s credit system is still in its infancy and needs to be continuously enriched and improved.