一、征信的内涵及现实价值1、征信的内涵信用除了在金融领域中,指贷方将资金货与借方,借方在一定时期内还本付息的过程以外,还进入了人们的道德评价领域,指人们对自己言行的真实性承担绝对的担保而享有的美誉。“随着社会的约定俗成,信用一词又延伸为遵守诺言、实践成约,从而取得别人的信任。”信用一方面是人们对自己的言行完全负责任,另一方面则是人们对自己的言行完全负责的表现已经为一定范围的人们所认同,获得了在这个范围里 First, the connotation and real value of credit information 1, the connotation of credit In addition to credit in the financial sector, refers to the lenders will fund goods and debit, borrower in a certain period of debt service process, but also into the people’s moral evaluation The field refers to the reputation enjoyed by people for their absolute guarantee of the authenticity of their own words and deeds. “With the social conventions, the word credit extends to the promise of others, to achieve the trust of others.” Credit on the one hand, people are completely responsible for their own words and actions, on the other hand, people’s own words and deeds Fully responsible for the performance of a certain range of people have been recognized, gained in this area