一、基础运营环境的法制缺陷(一)良好信用环境的欠缺。信用一词源于拉丁语Credera,意为信任。经过演变,现在已具有了丰富的内涵。它是既包括道德领域,也包括经济领域的范畴。从道德领域讲,信用通常表现为一个人或一个单位诚实守信,遵守诺言。从经济意义上讲,信用是以一定的经济标的物为内容、以借贷为特征的经济行为。而所谓信用环境,则是指各种信用形式所体现的信用关系在生产、分配、交换、消费等各个领域中按照信用契约昕实现的程度。市场经济的发展历史表明,良好的信用环境是市场经济有序化的重要条件,是企业正常生产和经营的重要保证。从银行的角度讲,判断其是否处在一个良好的信用 First, the basic operating environment of the legal flaws (A) lack of a good credit environment. The word credit comes from Latin Credera, meaning trust. After evolution, now has a rich content. It includes both areas of ethics, but also economic areas. In the ethical field, credit usually manifests itself in the honesty and trustworthiness of one person or unit and in keeping with the promise. In the economic sense, credit is a kind of economic behavior characterized by certain economic objects and loans. The so-called credit environment, refers to the various credit forms embodied in the credit relations in the production, distribution, exchange, consumption and other fields in accordance with the credit contract Xin achieved. The history of the development of the market economy shows that a sound credit environment is an important condition for orderly market economy and an important guarantee for the normal production and operation of enterprises. From the bank’s point of view, determine if it is in good credit