Since the reform and opening up, China's economy has experienced rapid growth for more than 20 years, especially since the establishment of the market economy mechanism. This is a great development process, which has brought unprecedented vitality, vigor and social progress to China. It is also in this process that the problems of mercenary and lack of business integrity are fully exposed.

Although people all know that business needs honesty, the Chinese nation has the virtue and tradition of honesty and some basic principles of honesty since ancient times, and they all know the value of honesty and the serious consequences of dishonesty, but due to the great temptation of interests and the lack of effective control mechanism of business integrity, the principle of honesty has not been implemented, and there are still a lot of phenomena such as counterfeiting, breach of contract, bribery and false disclosure in business. These phenomena have seriously damaged the interests of consumers, ruined commercial reputation and caused confusion in the commercial market order. The crisis of lack of commercial integrity has seriously threatened the economic operation of society, affected the quality of life of the public and caused many serious consequences. If this continues, the consequences will be unimaginable. This situation has aroused widespread concern from all walks of life. It is based on this situation that the relevant departments of the central government have launched a large-scale "Quality Miles" campaign nationwide, and carried out activities such as "No Fake Goods in 100 Cities and 10,000 Stores" for the commercial departments, and put forward some plans for the construction of commercial integrity.

Scholars and researchers from all sides have also investigated and studied the above problems, but generally speaking, these studies mainly focus on the discussion of the principle of good faith, the determination of the value and mechanism of good faith, and the attention to market order. Most of them are concerned from the perspective of social education and morality, but there are few studies on how to overcome the "lack of honesty" in the market from the mechanism, and the research results on the construction and operation of honesty mechanism are even less. However, the content directly related to the study of commercial credit mechanism is even less, so up to now, no one has explained the relevant mechanism of modern commercial credit mechanism well, and no one has worked out a complete scheme for the construction of modern commercial credit mechanism.

In fact, the only scientific way is to seriously study the relevant mechanisms of modern commercial credit mechanism, quickly launch a feasible scheme for the construction of commercial credit mechanism, and start from the mechanism and root causes to ensure the implementation of commercial credit. This is also an urgent requirement for the normal development of the market economy and a fundamental requirement for safeguarding the interests of the broad masses of the society. However, as the hub of economic circulation, commerce is the biggest window of social interaction, involving all aspects of production and consumption, and the relationship is very complicated. Therefore, the establishment of commercial credit mechanism is not a unilateral problem for the commercial sector, nor can it be solved unilaterally by the commercial sector. It is a systematic project, which must be solved by contacting all walks of life and integrating the forces of all walks of life. This means that perfecting China's commercial credit mechanism is a huge and complicated project, which requires various inputs.

legal construction

In order to cultivate and establish a perfect and effective credit system in our society, we must jump out of the traditional moral credit framework and move towards institutionalized credit. Past experience tells us that it is far from enough to establish a good faith mechanism under the condition of market economy, only relying on moral propaganda and conscience condemnation. We must objectively establish a strong legal support system and a scientific administrative management system, and have clear legal norms, restrictions and punishment measures for various dishonest behaviors, so that there are laws to follow; At the same time, it is necessary to strengthen judicial law enforcement, so that laws are strictly observed and those who violate the law are prosecuted. Only when members of the society generally feel that any behavior that fails to keep good faith will inevitably lead to corresponding legal consequences, will wholehearted trustworthiness become a fashion, the principle of good faith will gradually take root in people's hearts, and the mechanism of good faith will have its basic functions. To strengthen the function and role of law in the construction of credit system, the most important thing is to formulate and improve the property law and creditor's rights law, contract law and tort law, enterprise bankruptcy law and individual bankruptcy law, especially to formulate a perfect tort law, so that the determination of intentional infringement and negligent infringement, damages and loss compensation, civil liability and criminal liability can be legally followed, which plays a powerful role in preventing and deterring dishonesty and tort. Further improve and perfect the relevant legal mechanism of commercial credit. Improve the legal system of credit management, incorporate the construction of credit system into legislative planning, learn from foreign advanced experience, and revise and improve the laws related to credit management such as Accounting Law and Company Law as soon as possible; Severely punish the dishonest behavior of intermediaries. We should formulate clearer legal rules, simplify relevant legal procedures, and find legal basis and solutions for business integrity problems. Accelerate the handling of relevant complaints and cases, so that those who violate the law will be prosecuted and law enforcement will be strict.

The role of government

The government plays a decisive role in the process of establishing credit mechanism. First of all, government honesty is the basis of building an honest society; Secondly, the government is the most powerful advocate or promoter of the integrity project of economic organizations, and the government is a public institution. Only the government is more suitable as the main supervisor of the fairness of integrity results; Furthermore, the government and its relevant law enforcement agencies have the function of restraining and punishing the behavior and results of fake and shoddy goods trading and fraudulent trading, and are duty-bound to safeguard social integrity. However, due to the problems left over from history, government departments at all levels in China still have various unclear functions and fail to play their due role in the construction of credit mechanism. For example, government departments at all levels in China still have some problems, such as weak service awareness, low degree of information and data disclosure, imperfect national credit management system itself, and lack of disciplinary mechanism for dishonesty.

Therefore, we must first distinguish and perform the functions that the government should do. In order to realize the separation of government from enterprise as soon as possible, the government should not interfere with the operation and management of commercial enterprises, but should focus on providing services for business and managing the market environment. The government should enhance its service awareness and give full play to the exemplary role of honesty. It is necessary to strengthen the credit education for individuals, especially civil servants, and build a good credit government image as soon as possible.

State-owned banks should truly become enterprises, realize the merger of large, medium and small banks, improve the national credit system and private investment and financing mechanisms, and vigorously promote the integration of commercial mechanisms with the international community, so that enterprises can truly become the main body of the market economy. The key to market economy activities, whether private enterprises, state-owned enterprises or natural persons, is to be able to distribute their own property independently and bear civil liability, otherwise the problem of dishonesty will be difficult to solve.

In credit management, the government should be more involved. It is necessary to establish enterprise credit database as soon as possible, formulate credit mechanism management measures, comprehensively implement enterprise credit record system, credit supervision system, credit early warning system and credit incentive system, establish credit rating system, and make credit a passport for enterprises. If the rating is bad, it means suicide and elimination. Enterprises with bad credit should consciously make up for their credit. So as to promote and popularize credit sales as the highest form of production and business activities of enterprises in China, guide enterprises to establish the consciousness that credit is brand, credit is wealth and credit is life, and fundamentally shorten the gap between China enterprises and international advanced enterprises. Relevant departments should introduce scientific management methods to conduct scientific price management on the commercial market. If it is stipulated that merchants must clearly mark the price, indicate the manufacturer or wholesaler, address and telephone number of the main products for inquiry. At the same time, the government should contact various industries to supervise and inspect the prices of various stores. Supervise the implementation of the claims system, and each store should have clear and reasonable claims rules and strict claims measures for selling fake and shoddy products or price fraud. In order to make businesses accept social supervision automatically, if there is no such measure or no such measure, the management department should take tough measures such as banning their business qualifications to ensure market order. If consumers find this situation, they can complain to the merchants or relevant administrative departments, and the legal department can bring it to justice. If so, there is definitely no room for counterfeiting in the market, and there will be no more market for price fraud. Who wants to make trouble for themselves? Of course, the management work in this area is very arduous, and all government departments need to be mobilized to complete this work. Therefore, there should be a government linkage mechanism to find and deal with such related problems in time to ensure the harmonious and orderly market.

Self-discipline in business.

It is necessary to improve and perfect the organization and operation mechanism of commercial self-discipline. Starting with the establishment and improvement of self-regulatory institutions in the commercial field, it is very important to prohibit unethical behavior, protect consumers' rights and interests, crack down on the evil deeds of immoral people, maintain commercial order and build a highly civilized business environment. The industry knows best and has the most say in its own affairs, and so do western countries. Many of their problems are solved through the industry itself. Our industry self-regulatory agencies should establish an industry credit system, establish professional records and business files, conduct regular or irregular supervision and inspection of enterprises in the industry, warn or deal with problems found, and follow up in time to form an authority in the industry and play its due role in supervision and management. Let the virtuous people get honor, let the immoral people get the punishment they deserve, and even let them have no place in the business world.

As far as commercial enterprises are concerned, most of them still lack credit management system. Therefore, we should strengthen the education of relevant legal knowledge, carry out professional ethics education, improve our own level of understanding, fully understand the value of credit resources, correctly choose the mode of competition, consciously accept management and supervision from all sides, and improve our own quality. Commercial enterprises should consciously fulfill their social responsibilities, consciously establish a credit self-control mechanism for commercial enterprises, and consciously operate in good faith to better serve the society.

Social supervision and management

At present, in society, a common situation is that the whole society generally lacks credit consciousness and credit concept is indifferent. Therefore, strengthening credit awareness in all aspects of society is also a key condition for the normal operation of commercial credit mechanism, and commercial credit is a social problem. Therefore, it is imperative to establish and improve the commercial credit information network system and strengthen the supervision and management of the whole society. Banks and social intermediary institutions should establish and improve the commercial credit information network system, fully grasp and control commercial enterprises, and prevent problems from happening. News media and consumers should also join the ranks of this kind of supervision and management to improve the operation of commercial credit mechanism. The whole society should have a correct public opinion orientation in the propaganda and guidance of business integrity, so that the society can establish correct values, which will also improve the moral status of the whole society.

The reason why western society can form such a good credit environment is mainly due to the long-term institutional norms of western countries. Anyone who has lived in the west will feel that credit is inseparable from everyone, whether in daily life or in economic activities. Personal credit is needed to apply for home phone, gas, electricity, water and renting a house. Company loans, trade funds, and credit guarantees. And all credit performance will always be recorded under everyone's social security number. A person's name can be changed, but his social security number is faithful. Once fraud or deception is discovered, personal credit will be suspected and credit crisis will occur. At that time, a person's future will be blocked everywhere and difficult everywhere. In other words, the key to the successful operation of commercial credit mechanism is to mobilize the whole society to maintain and build integrity.

Honesty mechanism is an applied thing, and the key is practical operation. To make the good faith mechanism practical and operable, it can not be achieved by some efforts, but requires multi-party cooperation. Therefore, we say that the construction of credit mechanism is a systematic project, and the operation of commercial credit mechanism needs linkage mechanism and the interaction of relevant legal mechanism, government management mechanism, industry self-discipline mechanism, enterprise self-control mechanism and social supervision mechanism. In view of the lack of commercial credit mechanism in China, we should first proceed from reality, carefully analyze the crux of the lack of commercial credit mechanism on the basis of in-depth investigation of the current situation of commercial credit in China, and then put forward corresponding countermeasures according to China's basic national conditions, existing political, legal, economic systems and social moral conditions, and according to the inherent laws of the operation of commercial credit mechanism, and start to conceive the mode of commercial credit operation mechanism. In order to standardize the operation of this mechanism, it not only adapts to the current level of social development in China, but also has practical effect, real operability and social practical value. In view of the actual situation in China, this study hopes to provide some important reference opinions for the construction of modern commercial credit mechanism in China, and hopes that these research results can be well applied to social practice and play a beneficial role in the standardized operation of China's market economy and the prosperity and development of China's modern commerce.