The concepts of credit in different fields and different disciplines have different meanings. Commercial credit in commercial law is not only a subjective evaluation of the ability of commercial entities to perform or liquidate, but also an objective ability to perform. The commercial credit system that China needs to create has abundant content and specific normative composition, including commercial credit rights, commercial credit information disclosure, commercial credit information collection and commercial credit evaluation, as well as credit worthiness incentives and disciplinary punishment for commercial credit. There is no separate commercial credit system in the traditional commercial law system of the civil law countries. But this is not a sufficient reason to negate the commercial credit system. On the contrary, it is an important basis for innovating China’s commercial credit system. Designing and constructing a commercial credit system is undoubtedly the only way and a major mission to China’s future commercial legislation.