Mr. Chen Jian's two new books on credit research will be published soon, one is called "Technology and Application of Credit Scoring Model" and the other is called "Modern Credit Card Management". On the occasion of Fu Zi, I was invited to make a preface. Mr. Chen Jian has studied economics systematically in Peking University and Washington University in the United States, and obtained the corresponding bachelor's and master's degrees in economics. Later, he worked and studied for many banks and credit card companies in the United States and Britain. Therefore, it can be said that he has quite in-depth research and accumulated quite profound practical experience in credit scoring and credit card management. In contrast, I certainly lack research in this area. However, I would like to take the opportunity of this preface to put forward some discussion opinions on the credit problem in the historical process of China's economic transition. As a social form of human historical progress, market economy is a historical extension of human civilization, although it is a competitive mechanism. ..