一、信用是社会的必须首先信用是社会发展的要求,人类经济发展史实质就是信用制度的建立和不断完善的过程。原始社会并没有信用一说。随着经济规模的扩大,出现了以商品赊销和预付贷款为基本形式的商业信用、以贷款为主要形式的银行信用和以消费贷款为主要形式的消费信用。世界 First, credit is the social must First of all credit is the requirement of social development, the essence of the history of human economic development is the establishment of the credit system and continuous improvement process. Primitive society did not have a credit to say. With the expansion of the economy, commercial credit has emerged as the basic form of commodity credit and prepaid loans, with bank loans dominated by loans and consumer credit dominated by consumer loans. world