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每一种文化随着社会物质生产的发展而发展,而任何事物发展也会在一定程度上受到文化的影响。信贷作为客观事物的一种表现型态也是如此。作为社会实践活动的信贷要遵循社会经济发展的客观要求,这些要求无疑要体现信贷活动所必须遵守的道义、责任、规律和规范。把这些方面展开阐释,就形成了关于信贷的思想体系,最终总结出信贷所必须遵循的基本规律、基本要求及必须履行的责任,形成关于信贷的特定文化。笔者试就对信贷文化的认识作两个方面的阐述,以探讨文化对信贷行为的影响。
Every kind of culture develops with the development of material production in society, and any development of things will be affected to a certain extent by the culture. The same is true of credit as an expression of objective things. As credit for social practice, we must obey the objective requirements of social and economic development. These demands will undoubtedly embody the moral, responsibility, rules and norms that credit activities must abide by. Expounding these aspects, a thought system about credit has been formed. Ultimately, the basic laws, basic requirements and obligations that must be followed for credit must be summed up to form a specific culture of credit. The author tries to explain the credit culture from two aspects to explore the impact of culture on credit behavior.