改革开放以来，随着我国经济体制由计划经济向社会主义市场经济转轨，特别是加入世贸组织以后，信用问题引起了人们的极大关注。但我国目前还没有建立起一套完善的信用档案管理流程，为社会信用体系的建立提供准确、及时的信用信息支持。一、信用档案的产生１．信用和信用制度 Since the reform and opening up, with the transition from the planned economy to the socialist market economy in our country, especially after its entry into the WTO, the issue of credit has drawn great attention. However, at present, we have not set up a complete set of credit file management procedures in our country to provide accurate and timely credit information support for the establishment of a social credit system. First, the credit file generation 1. Credit and credit system