在现代社会，只有法律才能为信用的道德选择提供基本的制度保证。
The paper finally points out that only can the law supply system guarantees for the credit morality choice in modern times.
个人信用保证机制的征信制度和诉讼制度哪个成本更低、相对价值更高需要客观分析。
It requires impersonality analysis which is much low in cost or more high on relative value about credit system and lawsuit system in personal credit guarantee mechanism.
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