After more than 100 years of credit system construction and development，Western developed countries have formed a relatively complete credit system structure，and the credit legal system has also been continuously improved，and has become an important indicator to measure the perfection of the social credit system. At present，for China，the establishment and improvement of the credit legal system is a long-term and complicated system engineering，although it has been continuously strengthened by modifying existing laws and regulations，accelerating credit legislation to fill gaps，and implementing legal responsibilities at the judicial and law enforcement levels. And improve the credit legal system. However，China’s credit legislation is still lagging behind the development of market economy，which seriously affects the stability of the market economic order and the realization of the economic benefits of market entities. Drawing on the experience of credit legislation in western developed countries，it is imperative to promote the establishment of a sound credit law system.