Firstly the thesis analyzes the modern social moral crisis, thinking that the lack of modern social morals in a great degree is due to the low efficiency or the lost of efficiency of moral education.

Poor social credit circumstance, the declination of the school moral education, bad management of information running and the disorder of credit control system, lead to this phenomenon.

Lack of creditability is a crucial obstacle to economic growth, we analyzed the reason for that from economics, psychology and social morality side in this article.