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从西方经济学来看,信用(CREDIT)就是指不同交易者之间商品交换中的赊购赊销、延期付款和货币资金的借贷行为等,是以偿还为条件的价值运动的特殊形式。这是狭义的信用概念。由于历史文化传统等原因,国内对信用的理解较为宽泛,一般泛指“诚实、守约并因此获得他人的信任”,这已是一个综合的社会学的概念。近期来,从社会公众到“两会”代表,国内各界所关注的“信用”,也是远远超出西方经济学所指的“狭义信用”
From the perspective of Western economics, CREDIT refers to the credit sales, deferred payment, and borrowing of monetary funds between different traders in commodity exchange. It is a special form of value movement under the condition of repayment. This is a narrow concept of credit. Due to historical and cultural traditions and other reasons, the domestic understanding of credit is relatively broad, generally refers to “honesty, compliance and thus gain the trust of others”, which is already an integrated concept of sociology. In recent years, the “credit” that the people from all walks of life have paid attention to from the public to the “NPC and CPPCC” representatives has gone far beyond the “narrow credit”