一、引论:信用及其本质(一)约略而论,信用一词在伦理学、社会学、经济学等多学科均被使用。在伦理学上,它是指诚实守信、践行诺言,是善的体现,是一种美好的德行。无论是东方传统的儒家思想,还是西方最重要的道德经典—《圣经》,都反复强调信用对一个人的重要性。认为一个人如果失去了信用的话,就失去了换取他人信用的资本,无法进行交互行为。在社会学意义上,信用是一种心理状态,是人类在自身历史发展历程中的一种心理选择,是对理性不足的补充。“信任是一种态度,相信某人的行为或周围的秩序符合自己的愿望。它可以表现为三种期待:对自然与社会的秩序性,对合作伙伴 I. INTRODUCTION: CREDIT AND ITS ESSENTIAL (a) In a nutshell, the term credit is used in many disciplines such as ethics, sociology and economics. In ethics, it refers to honesty and trustworthiness, to fulfill its promise, is a good embodiment, is a good virtue. Both the Confucianism of the East tradition and the most important moral classics in the West, the Bible, have repeatedly emphasized the importance of credit to one person. If a person believes they lose their credit, they lose the capital to exchange credit for others and can not interact with each other. In the sociological sense, credit is a state of mind, a psychological choice of mankind in his own historical development and a supplement to the lack of rationality. ”Trust is an attitude, believe that someone's behavior or the order around them meet their own wishes.It can be manifested in three kinds of expectations: the order of nature and society, the partners