大学生信用档案建设的若干思考

Several Thoughts on the Construction of University Students’ Credit File

建立大学生信用档案，对于提高大学生信用意识、促进助学贷款顺利实施、规范大学生就业市场及建立社会信用体系均具有重要意义。大学生信用档案具有真实性、凭证性、动态性和共享性等特征，其主要内容包括个人基本情况，以及在品行表现、专业学习、日常生活、助学贷款、学费缴纳、求职择业等方面的信用历史记录，其建立过程包括信用数据的收集、鉴定、整理与开发利用等环节。

To construct university students＇ credit file is important for improving university students＇ credit consciousness, promoting the smooth implementation of student loan, rectifying college graduate job market and building social credit system. The characteristics of university students＇ credit file is authenticity, warranty, dynamic and sharing. Its content includes basic situation of individuals, and credit history record in morality, study, daily life, student loan, tuition fee paying, job seeking, etc. The process of its construction involves the collection, appraisal, organization and development of credit data.