At present , the phenomena of lacking credit are very serious in our country . such behaviors are very popular : business swindle , selling fake commodities , breaching contract , being in debt among one another , enterprises have no the three necessities , enterprises that put their stock in market give false number on their property . the serious credit loss has become an important factor to decide whether the market can develop healthily or not 而我国目前“信用缺失”的现象十分严重：商业欺诈屡见不鲜、假冒伪劣久治不愈、毁约违法司空见惯、 “三角债”积重难返、 “三无”企业屡禁不止、上市公司虚报瞒报登峰造极… …严重的信用缺失已成为我国市场经济能否进一步健康发展的瓶颈，尽快建立有效的信用体系是经济发展迫在眉睫的需要。
