在市场经济条件下,信用被认为是企业的生命。没有一个完善、有效的信用管理制度,带来的肯定是企业竞争地位的丧失。在加入WTO后,这个问题显得更为严峻。当前,我国信用问题突出表现在企业与企业、企业与银行之间货款和贷款的拖欠,并已发展到困扰我国经济发展的一大顽症。这种现象的产生,有其一定的社 In a market economy, credit is considered the life of an enterprise. Without a sound and effective credit management system, the affirmation is the loss of the competitive position of enterprises. After joining the WTO, this issue is even more serious. At present, the credit problems in our country are highlighted in the arrears of loans and loans between enterprises and enterprises, enterprises and banks and have now developed into a major chronic problem that has troubled China’s economic development. The emergence of this phenomenon has its own community