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我国现实社会中存在的诚信危机,表面上是社会道德水准下降,深层次的问题是我国传统信用观念与现代经济、政治和文化发展不相适应的结果。中西传统信用观念在信用来源、信用价值意义、信用适用领域、信用对象、信用保障机制等因素上存在差异。我国信用文明转型应当保留传统信用文明的积极因素,汲取西方信用文明的有益因素。制度建设是我国信用文化变革最为直接有效的途径。
The crisis of honesty and credit that exists in our country’s real society is ostensibly a decline in the standard of social morality. The deep-seated problems are the result of the incompatibility of our traditional credit concept with the development of modern economy, politics and culture. The traditional Chinese and western credit concepts differ in factors such as the source of credit, the significance of credit value, the field of credit application, credit object and credit guarantee mechanism. The transformation of China’s civilized credit should retain the positive factors of the traditional credit civilization, learn from the Western credit civilization of the beneficial factors. System construction is the most direct and effective way of credit culture reform in our country.