2 1 century is a century of continuous integration, impact and development of multi-cultures, and also a century of continuous development and maturity of market economy. The essence of market economy is legal economy and credit economy. Credit is the life and soul of an enterprise. China is in the primary stage of market economy, and there are many problems in enterprise credit system and social credit system, and consumers' credit awareness and rights protection awareness are very weak. Comprehensive analysis of social credit crisis, its root is the lack of social credit culture. The essence of enterprise credit culture is the idea and creed with honesty and trustworthiness as the core. It is the * * * consistent values, codes of conduct and moral norms gradually formed by enterprises and their members in the production and operation practice under certain historical conditions, and it is the cultural accumulation of credit consciousness, concept, spirit, system and mechanism. It is of great practical significance to strengthen the construction of enterprise credit culture. First of all, enterprise credit is the foundation of enterprise survival. Credit is the life of an enterprise, the criterion for enterprises to maintain various behavioral relationships, and the moral basis for harmonious and friendly interpersonal relationships. Secondly, credit culture is the guarantee of sustainable development of enterprises. Honesty is the core of credit culture and the cornerstone of sustainable development of enterprises. The competition in the future market is the competition of comprehensive strength of enterprises. It is the need of social civilization to strengthen the construction of enterprise culture again. Credit culture not only exists as spiritual civilization, but also its spiritual essence runs through material civilization and political civilization. The article also makes a profound analysis of the problems and causes of enterprise credit in China at this stage. Commercial credit, financial credit, product credit and moral credit once appeared serious crisis. The lack of good credit environment made consumers and partners "flinch", and the lack of credit became a serious obstacle to the development of enterprises. China's market economy is in the primary stage, the concept of social credit is weak, the construction of corporate culture is backward, and the legal guarantee system is imperfect, which seriously restricts the rapid development of China's economy. Only by vigorously strengthening the construction of enterprise credit culture, shaping the good image of enterprises and constantly cultivating a healthy enterprise credit culture atmosphere can a harmonious, civilized and honest social and cultural environment be formed. To build enterprise credit culture, we must master the principles and methods of enterprise credit construction. In the construction, we should follow the principles of target, self-discipline, marketability and keeping pace with the times, and actively explore effective ways to build enterprise credit culture on this basis. The author believes that we should first establish the enterprise concept of honesty first. Honesty and trustworthiness are the traditional virtues of the Chinese nation, and the supremacy of credit is the most basic creed of people's life and career. Credit is both capital and wealth. Secondly, it is necessary to cultivate the credit awareness of full participation. The main body of an enterprise is all employees. Only by strengthening employees' credit education and strengthening employees' credit concept and consciousness can the construction of enterprise credit culture be implemented. Third, strengthen government behavior and play the role of social intermediary. To speed up the construction of the whole social credit system and create a good credit social environment, government behavior and social intermediary are essential. Fourth, improve the credit punishment system. It is necessary to publicize and expose the credit of enterprises in a timely manner, and impose serious sanctions and penalties on the subject of dishonesty. Fifth, make every effort to build an honest enterprise. Only in this way, users can sincerely accept the services of enterprises, enterprises can establish a long-term mechanism and gain a firm foothold in the fierce market competition. In short, under the condition of market economy, only by strengthening the construction of enterprise credit culture, making credit form a social atmosphere and deeply rooted in people's hearts, can we promote the continuous development of China's social economy. I. Interpretation of Enterprise Credit Culture and Its Significance Enterprise culture is an integral part of economic management theory, and credit culture is an important part of enterprise culture. Enterprise culture is the reflection of enterprise spirit, which comes into being with the emergence of enterprises. As long as there are certain production and business activities, enterprises will have corporate culture, but it has not attracted enough attention for a long time before. In the late 1970s and early 1980s, with the rapid rise of Japan's economy after the war, people paid great attention to Japanese corporate culture, and the "corporate culture craze" began to heat up around the world. As an important part of corporate culture, credit culture plays an increasingly prominent role in the market economy, especially in the period of economic transformation in China. People gradually realize that in the commodity economy society, without business cards and market passes, enterprises cannot survive and develop, and the social economy will shrink. (A) the essential connotation of enterprise credit culture Enterprise credit belongs to the theoretical part of credit management in enterprise economic management, and the concept of "credit" has a profound historical origin. Honesty and trustworthiness has always been the moral code of conduct for people's conduct, conduct and career in thousands of years of civilization history in China, and it is also the highest realm of people's self-cultivation. "Faithfulness" occupies an important position in the "benevolence, righteousness, propriety, wisdom and faithfulness" advocated by China's feudal ethics, thus imperceptibly becoming the cultural spirit of Confucian businessmen in China and the only ethical basis for dealing with general social relations. China is an ancient civilization, and keeping promises is our fine tradition. "Words must be done, and actions must bear fruit" and "People will stand without faith, and things will flourish without faith". ① From "childlike innocence, honesty and credibility" to "inviting guests from all over the world, credibility must be believed", which fully embodies the spiritual essence of China's business creed of Confucian businessmen. Credit is a pure economic concept in the west, which holds that "credit is a credit trading activity due to the lag of value exchange, and it is an economic trading behavior at different time intervals guaranteed by agreements or contracts". Credit culture has been paid enough attention in western countries with developed commodity economy, and a mature credit guarantee system has been formed, which has greatly promoted the economic development and social progress of western countries.

Credit can be divided into broad sense and narrow sense. Broadly speaking, it refers to the ability to keep the contract established between the parties in economic activities on the basis of honesty and trustworthiness, while in a narrow sense, credit under the condition of market economy refers to the ability of the trustee to pay or repay the loan within a specific time, that is, the ability to perform the contract. Credit culture refers to credit in a broad sense, which is the cultural accumulation of credit consciousness, concept, spirit, system and mechanism. Corporate credit culture is an important part and the cornerstone of corporate culture. Without honesty, corporate culture will lose its foundation, value and significance. At the same time, corporate culture provides a broad space and guarantee for the establishment and dissemination of credit culture system. From social credit level to enterprise credit culture level, it is a qualitative leap of credit theory. Credit culture greatly enriches the connotation and extension of credit itself, makes people look at credit more truly, clearly and comprehensively, and makes credit a moral and behavioral concept, a spiritual motivation and a social norm.

The essence of enterprise credit culture is the idea and creed with honesty as the core, and it is the consistent values, codes of conduct and ethics gradually formed by enterprises and their members in the production and operation practice under certain historical conditions. As far as credit culture is concerned, it can also be divided into two levels, namely, institutional culture level and spiritual culture level. The level of institutional culture means that credit is directly defined by external forms such as enterprise rules and regulations, national laws and various contracts. The spiritual and cultural level refers to the inherent requirements of credit culture, such as customs and traditions, values, business ideas and moral beliefs existing in people's ideology. The two are inseparable, interacting and isomorphic, and become an organic whole of credit culture. Under the condition of market economy, enterprise credit, as the main body of social credit, becomes an organic system of social credit with government credit and personal credit, with personal credit as the foundation, enterprise credit as the core and government credit as the leading factor. From the standpoint of social justice, the government should not only establish its own credit guarantee system, but also take the lead in observing honesty and safeguarding its sacred dignity.

With the continuous development of social economy, the connotation of enterprise credit culture will be continuously enriched, and social credit management and credit system will be continuously strengthened and improved.

(B), the significance of strengthening the construction of corporate credit culture

1, enterprise credit is the basis of enterprise survival (market economy is credit economy, credit is the life of enterprise, it is the criterion for enterprises to maintain various behavioral relationships, and it is the moral basis for harmonious and friendly interpersonal relationships. Under the condition of market economy, credit has become a voucher for market access and passage. The 16th National Congress of the Communist Party of China clearly put forward "perfecting the social credit system of modern market economy", which pointed out the direction for rectifying and standardizing the market economic order. )

2. Credit culture is the guarantee of enterprise's sustainable development (honesty is the essential core of credit culture and the cornerstone of enterprise's sustainable operation. The future market competition will be the competition between enterprise's comprehensive strength and enterprise culture, which is reflected in enterprise's cultural strength and brand image. A good corporate culture is the intangible asset and soul of an enterprise, which can constantly stimulate people's consciousness and creatively engage in business activities. )

3. Strengthening the construction of enterprise credit culture is the need of social civilization (social civilization includes material civilization, political civilization and spiritual civilization, with material civilization as the foundation, political civilization as the guarantee and spiritual civilization as the core). Second, the problems and causes of China's enterprise credit at this stage

Problems-commercial aspects: breach of contract, breach of contract, malicious deception and other acts; Financial aspects: lack of credit, failure to collect due loans, flood of dormant account, and no guarantee risk; Products: false propaganda is overwhelming, fake and shoddy goods are flooding the market, and product descriptions and quality assurance are irresponsible. In addition, the behavior of government departments, shoddy construction, unreasonable charges in education, yellow garbage in culture, dazzling, dazzling and daunting, as well as various scandals of lack of credit. Reasons-1), weak credit awareness and credit concept, and lack of credit has become a serious obstacle to the development of enterprises. 2) Weak credit concept and lagging corporate culture construction are not conducive to the formation of a rich social atmosphere. 3) The market economy is in the primary stage, the legal protection system is incomplete, and the credit punishment is not strong enough.

Third, the principles and ways to strengthen the construction of enterprise credit culture

(A), the principles of enterprise credit culture construction: the first is the target principle. The second is the principle of self-discipline. The third is the market principle. The fourth is the principle of keeping pace with the times. (2) Ways to build enterprise credit culture: 1, establish the enterprise concept of credit first, cultivate the credit awareness of all employees, strengthen government behavior and play the role of social intermediary, and improve the credit punishment system. Secondly, the state should strengthen the legislation of good faith and impose severe sanctions on dishonesty; Furthermore, it is necessary to form a cultural atmosphere of honesty in the whole society and carry forward the traditional virtues of honesty and trustworthiness of the Chinese nation through the moral power of honesty. 5. Make every effort to build an honest enterprise (from the internal composition of enterprise assets, enterprise credit is an intangible asset of enterprises, which plays an important role in catalyzing and promoting the appreciation of tangible assets of enterprises. First of all, we must build a corporate credit system. People are the subject of honesty. Strengthen the integrity consciousness of all employees, establish a good image of social integrity, and stop and punish dishonest behavior within enterprises in time. Second, we should attach importance to moral construction and corporate culture construction. People put faith first, faith is based on honesty, and honesty is based on morality. . Third, we must establish a long-term mechanism for enterprises. Perseverance is the key to integrity, and only by strictly implementing enterprise rules and regulations and establishing a strict supervision mechanism. Only by making every effort to build an honest enterprise can enterprises gain a firm foothold in the fierce market competition.