Development Of Personal Credit Scale And Survey Of Social Credit Condition

In the background of constructing a harmonious society, all sectors of society devoteconsiderable attention to social credit. At present, Research of social credit is divided into3level: personal credit, governmental credit and enterprise credit. With theoretical researchfilled the domain, there was fewer empirical research, particularly for personal credit. Asscale about personal credit is rare in our country, this study develops 《Personal CreditScale》 in the beginning and make a survey of social credit condition of Jiangsu provincewith an existing 《governmental credit scale》 and a self-complied 《enterprise creditcondition questionnaire》. The main conclusions of research are as follows:1、 Personal credit including4aspects of commitment, practice, altruism andself-regard. Scale total reliability coefficient (alpha) is0.918; Confirmatory factor analysisresults support the the fitting is in good condition, by which achieved standard ofpsychometrics.2、For personal credit, it shows that Jiangsu province has a good personal creditcondition, it can influenced by gender(female>male), age(senior>junior), area(South ofJiangsu>Middle of Jiangsu>North of Jiangsu), census register(rural>urban), educationbackground(higher>lower), profession(individual business is the lowest).3、For governmental credit, it shows that the public provide Jiangsu province ageneral level. And the public in different areas tends to evaluate basically the same,whereby the South is better than the North, the North is better than the Middle. Only onemarginal differences appears between the Middle and the South.4、For enterprise credit, it shows that the public provides Jiangsu province a goodlevel. Less than1/5respondents are dissatisfied to enterprise credit condition. At the sametime, we also find some issues, such as the imperfection of internal credit management,credit rewarding and punishing system is desperately needed and low degree of openness of information.5、Finally, on the basis of analysis above, we will offer some advices for thedevelopment of Jiangsu province’s credit construction in the future from the perspective ofpersonal credit, governmental credit and enterprise credit respectively.