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我国著名经济学家吴敬琏在《国家信用管理体系》一书中给信用下了如下定义：所谓信用，是指一种建立在对受信人在特定的期限内付款或还款承诺的信任的基础上的能力，它使受信人无须付现就可以获取商品、服务或资金。 借鉴市场经济发育较为完善的美国管理信用的做法，对我国建立
The famous economist Wu Jinglian in our country defines the credit in the National Credit Management System as follows: The so-called credit refers to a kind of credit that is based on the trust of the fiduciary to pay or repay within a specified time limit Ability to gain access to goods, services or money without having to pay the fiduciary. Learn from the more developed market economy in the United States to manage credit practices, established in our country