银企信用关系作为国民经济中最重要的经济关系之一 ,其正常的发展需要有完善的经济法律法规作保障 ,而我国在由计划经济向市场经济转轨的过程中 ,却存在法制不健全、经济法制化程度低以及已有的法律难以执行等问题 ,这无疑对本已扭曲的银企信用关系来说是雪上加霜。本文针对我国目前经济、金融法制建设中存在的问题 ,借鉴欧美、香港等国家和地区的经验 ,提出了建立健全我国的经济法律制度的几点建议 ,为新型银企信用关系的协调发展营造良好的法律环境 As one of the most important economic relations in national economy, the normal relationship between bank and enterprise credit relationship needs perfect economic laws and regulations as safeguard. However, in our country from planned economy to market economy, The low degree of legalization of the economy and the difficult implementation of existing laws and other issues undoubtedly add to the already distorted credit relationship between banks and enterprises. In view of the existing problems in China’s current economic and financial legal system construction and by referring to the experience of Europe, the United States, Hong Kong and other countries and regions, this paper puts forward some suggestions on establishing and perfecting the economic legal system in our country, and creates a good foundation for the coordinated development of the new-type credit relations between banks and enterprises The legal environment