市场经济中的信用是从属于商品交换和货币流通的,是诚实守信的心理承诺与契约实践相结合的意志和能力。恩格斯指出:“每一时代的社会经济结构形成现实基础,每一个时期的……上层建筑,归根到底都应由这个基础说明”。马克思主义基本观点告诉我们,经济发展了,经济基础变了,信用将随其变动而发展。 Credit in the market economy is subordinate to commodity exchange and currency circulation, and is the will and ability to combine honest and trustworthy psychological commitment with contractual practice. Engels pointed out: “The social and economic structures of each era form the basis of reality. The superstructure of each period should be ultimately explained by this foundation.” The basic Marxist point of view tells us that as the economy develops, the economic base has changed and credit will evolve as it changes.