摘要：本文通过对我国信用市场现状的研究总结出当下市场中存在的诸多问题，包括：欠债问题、产品质量问题、融资问题以及财务信用缺失问题。并分析出产生问题的原因来自于企业内部和企业外部两方面。

　　　接着通过对美国、欧洲以及日本信用体系建设情况的分析，大致总结出适用于我国企业信用约束制度的三大要素，其分别为：①来自企业内部、企业外部和国家政策上的信用约束；②大量企业信用记录组成的企业信用数据库；③用以增加企业违约成本的惩罚制度。在提炼出三大要素后，本文分别对其在“企业与企业之间”、“企业与金融机构”以及“企业与中介机构”中发生的信用问题上展开论述，分析约束机制在其中起到的作用，并为本文的结论作以佐证。

　　　在最后本文提出政府是建立这约束制度的最主要因素，并对其产生的影响做了相应阐述。政府的宏观控制能够给以上三大要素效用的发挥提供良好平台。同时以日新月异的互联网技术作为政府的调控手段之一能够产生更好的效果，从而优化国内市场的信用水平。

关键词：信用经济 约束制度 经验借鉴

Abstract: Through the study of the market, we can summarize the problems which exist in our market. There are indebtedness, quality, financing and financial credit problems. The problems stem from the internal and the external of companies.

　　　Then we studied the credit management systems of the USA, Europe, and Japan. We summarized 3 points of binding mechanism, which were as follows: ①credit constraints from internal and external of the enterprises; ②database consisting of a large number of business credit records; ③punishment system. After that, we applied them to the reality, which are used to prove the conclusion of this thesis. 

　　　In the end of the thesis, it suggests that the government plays an important role in the binging mechanism. The government can Provide a platform to help regulate the market. In addition, with the development of the network technology, the government can adjust the market by using the Internet, which should help a lot.

Key word: Credit economy  Binging mechanism  Experience