针对信用体系的现状、存在问题及解决问题的对策进行探讨，意在降低信用风险，完善信用体系，营造诚信的社会环境，加快社会信用体系的建设步伐。
This essay discusses the problems and methods of solving in about credit system in order to reduce credit risk, complete credit system, and establish a faithful social surroundings.
目前技术市场不完善的信用体系使得交易成本上升，交易效率低下，限制了交易规模的扩大。
The reputation system of current technical market is not perfect, which makes the bargain cost large and trade the inefficiency and thus limited the extending of market scale.
为了进一步杜绝虚假申请，我国还需要进一步完善国家信用调查体系。
To further prevent fraudulent applications, the country also needs to keep improving the nationwide credit investigation system.
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