The private enterprises must also improve their management standard, set up better credit, better financial management system and regulate their behaviors in operation and competition.

私营企业也应不断改进其管理水平，树立良好的社会信用观念，健全财务管理制度，规范经营和竞争行为。

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Under the basis of the current citizen ID card system, it is necessary to set up an open, unified, standard citizens' credit security numbers system, realize data sharing during every sub-database.

在现行公民身份证基础上，设立一个公开、统一、标准的公民信用保障号码系统，实现各子数据库间数据共享。

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Finally, it gives suggestion on improving our credit risk mechanism from system environment, the operational standard and the residual risks aspects.

最后，本文从制度环境、操作规范、剩余风险防范等方面为我国银行抵押担保的完善提供了政策建议。

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Some of the more pessimistic commentators see the recent credit excesses as the inevitable consequence of a system based on paper money and call for the return of the gold standard to prevent future crises.

ECONOMIST: Central banks and the bullion price