The Credit Evaluation Of New Generation

In China, credit is understood as a moral concept, which was built up in social activities between individuals when they take the sincerity as foundation. But in western society, credit is a special economic concept, which is defined as the lender’s trust of the borrower. It is not difficult to find that our understanding of the credit is more comprehensive and broad. Therefore, in our country, the credit evaluation cannot be only limited to the economic sphere, but it should be extended to the society level. In recent years, social dishonesty events occur frequently. What’s more, not only in the field of finance, in the food industry, manufacturing industry and other industries, these affairs have occurred from time to time, even the government’s behavior has been questioned. The situation of the society credit is more and more worsening. However, in the research and practice on credit evaluation, more of us are using or copying the ideas and methods of the credit evaluation in western countries, which are still concentrated in personal’s economic credit evaluation. This situation obviously does not adapt to the purpose of building a harmonious society. Therefore, establishing the comprehensive personal credit rating system is imperative.The moral attribute of credit determines that the credit status can be cultured, and the cultivation is a gradual accumulation process. That is to say, only to evaluate credit of adults with independent economic capacity is relatively narrow. And it can only reflect the current credit status, cannot reveal the evolution process of the credit status. When we expand the credit evaluation from the economic level to social level, the evaluation’s subject will also be expanded, which includes not only adult, but also including those young people who do not have independent economic capacity. The basic characteristics of adolescent decide their special significance to the credit evaluation. It cannot just reflect the current social credit situation, and it is the basis of the future social credit conditions. Hence, the evaluation of adolescents’credit is a prospective work. In this paper, combined with the corresponding method of credit evaluation, we attempt to take the new generation as the subject and give them a comprehensive evaluation, to lay a foundation for the further study of the evolution of the credit.Based on the overview of the development trend of credit evaluation, we distinguish the credit as economy and social credit evaluation. Through a detailed study of the new generation’s characteristics, this paper discussed the influence factors of the new generation’s credit. At the same time, basing on the fuzzy-BP neural network model and survey data, it formed the new generation’s credit evaluation system. From the empirical analysis which took the primary and middle school students as sample, we found that the new generation’s credit is not optimistic, controlling the credit risk and creating a good social environment has a long way to go.