为尽快建立起我国个人信用制度，信用立法、信用资料、信用中介机构、信用评估是当前亟待研究和解决的几个重要问题。

To support individual credit system in China, legislation, material, service organization and evaluate on credit are the important problems that must be studied and solved at present.

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不过在那天到来之前，为了防止出现严重紧缩，银行和其他金融中介机构需要得到帮助，用主权信用替代私人信用是唯一的途径。

Between then and now, however, to avoid severe retrenchment Banks and other financial intermediaries will need the support that only the substitution of sovereign credit for private credit can bestow.

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企业实力薄弱，信用等级低；银行贷款、金融中介机构等社会金融环境不好；

The reasons are that their strength is weak and credit degree is low, social financial environment is not good such as bank loans, financial intermediaries, etc.

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