首先，理性是信用行为的主体能动性前提。

Firstly, rationality is the subjective initiative precondition of the credit behavior.

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竞争不仅是主体性原则展开的动力，而且是主体能动性的实现和表现。

Not only is "competition" the motivation of subjective principle, but also the realization and representation of subjective initiative.

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但主体性的实现不是绝对的或抽象的，自我实现的过程是主体能动性与客观制约性相统一的过程。

This actualization should not be absolute or abstract, but it should be a dialectical unification of subjective initiative and objective conditionality.

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