An Empirical Study On College Students' Credit Evaluation

Along with the development of reformation of the market economy,credit is playing an increasingly important role in the market,and the credit relationship will be an important role in the future day life.However in recent years,the problem of credit has been more and more serious,promoting the construction of credit system is one of the most important way to solve the credit problem.In terms of promoting the construction of credit system,the research on personal credit evaluation is particularly important.As a high-quality community in the society,their credit will affect the credit level of the future society directly.However,the current status about credit of undergraduates is not optimistic,students cheating in examinations,fraud in resume,plagiarizing and defaulted loans,all these phenomenon are not only ruining the school' s ethos,but also seriously hindering the healthy development of college students.Therefore,there is important practical significance in establishing the personal credit evaluation system of college students,so we can justify the dishonesty action of college students,and urge college students to pay attention to the record of their individual credit.On the basis of existing research,this study will according to the credit status of college students in our country,then taken six colleges in Wuhan as sample,and collected the data though more than 600 questionnaires,then applied the logistics model to analyze the factors affecting college students' credit,and try to establish a suitable credit evaluation system for college students.This paper begins with introducing the connotation of credit,and the classification and function of credit,describing the concepts and principles of credit evaluation,then we had a preliminary understanding of the factors affecting college students credit problems through the information that we obtained from the questionnaire,and then used SPSS software to analyze questionnaire' s reliability,extracted factors with high contribution ratio by taking factor analyzing process and determined the finalize indicators that the paper needed.Then,logistics model was conducted to make a fitting analysis on selected indicators,after continuous amending,a simplified equation model was gotten,namely the college students' credit evaluation equation,then we make evaluations for the overall level of credit for college students in Wuhan on the basis of the evaluation equation we have got yet,the results show that the credit status of the college students in Wuhan has reached a good level,finally,based on the concluded from the analysis and the problems in the process of credit evaluation,this paper also gave some effective suggestions like set up credit rating agencies for college students,establish a sound credit incentive mechanism for college students,build college students' credit files and credit information sharing platform,so that we can provide a basis for docking students' credit and social personal credit information system.