信用缺失已对我国市场经济法治化建设提出了严峻的挑战,同时亦使消费者对法律滋生了一定的信用危机。尽管我国已在局部启动了一些信用提供与管理体系,但是这种缺乏法律支撑信用体系却是相当脆弱的,同时由于我国法律规则之间本身就存在有一些内生的与信用法律制度不和谐之处,这更加剧了我国信用缺失的现象。因此,从法律规则的层面对我国信用管理与经营体系提供支撑已成为我国经济法治化建设中紧要的一环。 The absence of credit has posed a severe challenge to the legalization of the market economy in our country and at the same time has also given consumers a certain credit crisis on the law. Although China has already started some credit provision and management systems locally, this kind of lack of legal support credit system is quite fragile. At the same time, there are some endogenous differences between China’s legal rules and the credit legal system Department, which exacerbated the phenomenon of lack of credit in our country. Therefore, it has become an important part of China’s economic legalization to provide support to China’s credit management and operation system from the legal rules level.