1. Credit is social.
First of all, the sociality of credit is reflected in social psychological factors. Credit is based on trust. In fact, trust in the trustee is the security of credit relationship, which is a social psychological factor, because this security does not come out of thin air, but depends on the trustee's credit status and the rational judgment of creditors, so it is a special social psychological phenomenon.
2. Ethical and cultural characteristics of credit.
Credit belongs to the category of ethics, which is embodied in the moral code that restricts people's behavior. Credit is not only a social relationship, but also a way of transaction, and it is also a value of human society.
Honesty and trustworthiness are respected and trusted by society, while dishonesty will be condemned and isolated. When people agree with and abide by these values and moral standards, the social credit environment will be optimized and the dishonesty will be reduced.
Extended data:
Credit contains two meanings: trust and lending, which are divided into sociology and economics. This essential connotation of credit determines that credit has the following basic characteristics.
Credit is social;
1, the sociality of credit is reflected in social psychological factors. Credit is based on trust. In fact, trust in the trustee is the security of credit relationship, which is a social psychological factor, because this security does not come out of thin air, but depends on the trustee's credit status and the rational judgment of creditors, so it is a special social psychological phenomenon.
2. Credit embodies a social relationship. Credit is not only a personal behavior, but also a social relationship between the grantor and the trustee. There is a credit relationship between thousands of assignors and trustees. The subject of action is not the assignor but the trustee, and their identities are constantly changing. For example, when a bank takes deposits, it is the trustee and has credit relations with deposit customers.
3. When a bank issues a loan, it is the lender and has a credit relationship with the loan customer. This fully reflects the complex social relationship of credit. With the development of credit, the connotation and manifestations of credit are becoming richer and richer, and credit as a social relationship is becoming more and more complicated.
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