市场经济的发展过程就是信用关系的形成和不断深化的过程,市场经济本质上是信用经济。在我国的市场经济发展过程中,信用的这种特殊功能受到了很大的挑战,信用缺失已严重影响到我国市场经济的健康发展。有必要对信用在现代市场经济中的作用、信用关系的现状进行分析,对如何治理信用缺失和完善我国信用制度进行探讨。 The development of market economy is the process of the formation and deepening of credit relations. The market economy is essentially a credit economy. In our country’s market economy development, this special function of credit has been greatly challenged, and the lack of credit has seriously affected the healthy development of China’s market economy. It is necessary to analyze the role of credit in modern market economy and the status quo of credit relations, and to discuss how to manage credit shortages and improve our credit system.