摘要：我国信用评价技术长期围绕“评价指标体系”的思辩式重复研究的现状和水平，不仅远远落后于西方发达国家，而且也远不能满足国内蓬勃发展的信用建设事业的实践需要，更无力承担当前金融危机下信用风险防范和未来信用秩序提升的应有功能。鉴此，本文试图在梳理西方信用评价技术发展逻辑的基础上，探索信用评价技术发展的一般规律；并进一步通过比较分析中西信用评价技术发展的内在动因和外在条件的差异，剖析我国信用技术研究落后的深层原因；最终得出内在基础、必要条件和充分条件是我国信用评价技术创新发展三大必备要件的基本结论。

    Abstract: The technology for credit evaluating in China speculatively and repeatedly studies around “the system of index” for quite some times; it has got not only behind the level of western developed countries, but also behind the practice demand for credit development in China largely; and it still unable to bear the necessary function for keeping credit risk away in the actual finance crisis and reconstructing credit system in the future. The technology development law on the credit evaluate is explored; the problem and causation of China are quested based on the comparison of intrinsic drives and exterior conditions of technology development on the credit evaluation between China and Occident. The conclusion is reached, that is, intrinsic base，necessary condition, and ensuring condition are the three important conditions for the normal development of technology on the credit evaluation of China.