国内外经济发展的历史和现实表明，市场经济越发展越需要诚实守信。我国商界的传统美德是“诚信为本”，强调“人无信不立”。然而我国的现实情况是，在由计划经济向市场经济转轨过程中，由于多种因素的影响，当前在商业信用中，出现了相互欺诈，不践成约，欠账不还，赖账有理 The history and reality of the economic development both at home and abroad show that the more the market economy develops, the more honest and trustworthy it needs. The traditional virtues of our business community are “honesty and sincerity,” emphasizing that “people are without confidence.” However, the reality of our country is that during the transition from a planned economy to a market economy, due to the influence of many factors, there has been mutual cheating in business credit, which is not justified in practice.