中文摘要：

银行作为一个特殊的行动主体,其信用分为银行公信力和个体信用。在实际运行中,银行公信力常常被忽视,以至于显示出银行信用研究的不完全性,为银行的良性运行埋下隐患。实际信贷运行中银行公信力有高低之别,较高的公信力不但使银行运行机制通畅,也能显示出银行信用的完全性,进而能够建立银行的良好信用。

英文摘要：

Bank as a special action subject, its credit is divided into the bank public trust and individual bank credit. In the actual operation, the bank public trust is often overlooked, so that the research on bank public trust is incomplete, which becomes a hidden danger for the banks＇ benign operation. The bank public trust during the actual operation of credit loans can be seen high banking operation mechanism, but also shows the or low; the higher bank public trust not only makes a smooth integrity of bank credit, and thus can establish good credit for banks.