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建国初期,我国商品交易中广泛存在着商业信用,商业信用制度是信用制度的重要组成部分。在建立苏联式的计划经济体制过程中,国家为了对资金流通与商品交易实行计划管理, 从1954年起强制取消了国营经济的商业信用,试图以国家银行信用制度取代商业信用制度。取消商业信用制度后,我国的信用制度出现缺失,虽然大量“非法”商业信用形式依然暗中存在,但信用制度的功能受到抑制,严重阻滞了社会资金的正常运行。
In the early days of the founding of New China, there existed a wide range of commercial credit in the commodity trading in our country. The commercial credit system is an important part of the credit system. In the process of establishing the Soviet-style planned economy, the state forced the cancellation of the commercial credit of the state-run economy in 1954 in order to carry out the planned management of the circulation of funds and commodities, and tried to replace the commercial credit system with the credit system of the State Bank. After canceling the commercial credit system, the credit system in our country lacks. Although a large number of “illegal” commercial credit forms still exist in the dark, the function of the credit system is suppressed and the normal operation of social funds is seriously blocked.