匿名交易、信用伦理与征信制度

市场经济的演进过程中产生了普遍的“匿名交易”制度，而匿名交易的存在又与信用伦理发生了冲突。为了维护正常的信用秩序，健全社会征信体系是健全社会信用制度的一个核心环节。基于我国经济体制正在转轨的现实，应完善金融基础设施，充分发挥政府主导模式的优势，坚持企业征信体系与个人征信体系的协调发展，推进信用法制建设与提升信用伦理道德水准的有机结合。

Anonymous Transactions, Credit Ethics and Credit Reference System

The evolution of the market economy produces a universal anonymous transaction system, while the existence of anonymous transactions conflicts with credit ethics. In order to maintain a normal credit order, a sound social credit reference system acts as a core component of a sound social credit system. Considering the reality of China＇ s economic system transition, it＇ s necessary to improve the financial infrastructure, give full play to the advantage of the government-leading model, adhere to coordinated development of corporate credit information system and the personal credit information system, and promote the integration of legal credit construction and credit ethical standard enhancement.