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.
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.
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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