1. direct credit refers to the credit activities of companies, enterprises or governments to use credit tools to raise funds from capital owners in the financial market. Such as issuing stocks and bonds.

2. Indirect credit refers to bank credit, that is, the credit activities of banks as intermediaries.

3. Direct and indirect credit * * * is isomorphic to the total credit of the whole society.

Finance is the core of modern economy, and its existence and normal operation depend on good social credit. But in recent years, the phenomenon of lack of credit in the financial environment has become more and more serious.

According to statistics, China suffers about 18 billion yuan in direct economic losses every year because enterprises and individuals evade debts, and the credit economy has become a "deadbeat economy"; Because of the triangular debt and cash transaction, the financial cost is increased by about 2 billion yuan, and the existence of a large number of triangular debt and polygonal debt directly blocks the credit chain. Some local governments, considering narrow local interests, add fuel to the flames in the process of enterprises evading bank debts, which makes banks "have a high success rate and a low execution rate" in creditor's rights and debts litigation.

to some extent, the financial industry is the concentrated reflection point of economic situation and the reflection point of contradictions and risks in economic development. Therefore, the deterioration of financial credit environment not only seriously affects the financial industry, but also directly hinders the normal and rapid development of social economy. Rebuilding the financial credit environment and rectifying the financial order have become the unanimous voice of the whole society. This paper intends to start with the concept of financial credit, get out of the misunderstanding of equating financial credit with national credit, and then analyze the social and economic roots of the lack of financial credit, and put forward suggestions for developing and perfecting China's financial credit system.

personal credit information is recorded in the personal credit report, which mainly includes personal basic information, credit information (whether there are bank loans, overdue records, credit card overdraft records, etc.) and non-bank information (payment information of utilities such as water, electricity and gas, tax arrears, civil judgments, etc.).

This information will affect individuals' lending behavior in financial institutions. For example, when handling personal mortgage, banks need to read the credit report. If the credit status is good, they may get preferential treatment, while those with overdue records may have to raise prices or even fail to obtain loans. It can be said that the personal credit report is a personal economic identity card.