现代市场经济是信用经济,没有成熟的信用社会就没有成熟的市场经济。企业作为信用制度的建设者和信用产品的受益者,建立了企业信用档案,成为成熟的社会信用体系中最关键、最活跃和最具影响力的重要因素。企业信用档案,即记载企业在经济交往活动中对另一企业或法人信用履约情况 Modern market economy is credit economy, there is no mature market economy without mature credit society. As the builder of credit system and the beneficiary of credit products, the establishment of enterprise credit files has become the most crucial, active and influential important factor in a mature social credit system. Enterprise credit files, that is recorded in the economic activities of enterprises in another business or corporate credit performance