The Evaluation Of Social Credit Based On Chinese Marital Status

The use of credit greatly promotes the development of social productive forces and maintain the social harmony and order. However, in economic activities, the main market transactions are objectively under the condition of asymmetric information, opportunism motivation will make the information disadvantage side traders from moral hazard and adverse selection risk. Which hold back the development of the market economy. In the financial market activities, in order to overcome the information asymmetry risk and give investors a fair trading environment and promote the exchange and development of the financial market, we need a social organization as an intermediary to give the corresponding debt credit conditions of fair evaluation standard objectively. The establishment of credit rating agencies makes the evaluation theory and method develop into the credit period of prosperity and development, which has formed a more perfect theoretical system and operation process now. In history, it is not difficult to find that early credit evaluation activities are mainly concentrated in the economic field with more specification focused on the financial sector. With the development of economy and the improvement of people’s living standard, people put more concern on the economic activities and participation degree, the traditional focus only on credit view of economic evaluation has increasingly shown its "narrow", there is more and more need for credit evaluation to extend to all human activities, so 14 years ago, the concept of "all the activities of a comprehensive human social credit system" was formally put forward.In china, honesty and trustworthiness as the virtues of the Chinese nation has a long tradition, which has been inherited from generation to generation. At the same time, we must clear that the interests of market economy has put a serious impact on the traditional virtues of honesty and trustworthiness since the reform and opening up. The proliferation of fake and shoddy products, false advertising and the overwhelming information, statistical data has been questioned, officials say one thing and do another, which let the whole social credit been severely eroded, people in each other are lack of basic trust. Facing a series of problems existing in the current social credit, how to make a comprehensive fair and reasonable evaluation on China’s social credit situation are the based tasks of the establishment of the harmonious society and the realization of the dream of China. This paper attempts to base on related research, from family relationships, especially marriage relationship perspective to explore the evaluation of China’s social credit problems.Compared with the economic evaluation of the credit, the social credit evaluation has more extensive coverage, the influence factors and the relationship between them arc more complex, some noneconomic factors is more difficult to comprehensive, which determines the research that we can not completely copy the existing credit evaluation theory and model. As everyone knows, the family is the cell of society, family relationship is the concentration of social relations, to a considerable extent, marriage is a family of the most comprehensive and the most direct reflection, and marriage is the most solemn promise, marital status directly reflects the performance status and the degree of this commitment, the credit evaluation is all the promise of performance and behavior and the measure of completion in essence, therefore, marital status reflects the social credit condition to a certain extent. Based on the theory of general investigation of social credit evaluation, this paper goes through the relation of social relations in marriage and family analysis and selects the divorce rate as the representative of social credit evaluation index, at the same time, I go to the Tianjin Municipal Civil Affairs Bureau to find out interview data, this paper also uses statistical methods for influencing factors of the divorce rate to do qualitative and quantitative analysis, based on the theoretical analysis, I also choose third industrial added value, the number of floating population and per capita education funds investment as explanatory variables in our province regional to do panel data analysis, the results show that the third industrial added value is the decisive factor affecting the divorce rate, the increase of education funding on the effect of divorce rate is significant. Finally, according to the results of this study, I put forward the policy recommendations to enhance the social credit.