人格特质与信用表现、信用行为关系研究——国内外文献综述及框架整合

Research on the Relationship between Personality Traits and Credit Performance and Credit Behavior: Review of Domestic and Foreign Literature and Framework Integration

对个人信用水平与信用风险的评估不仅与个人历史表现有关,也与个人的诚信素质密切相关,信用意愿也会通过个人心理和行为反映出来。现有研究表明,人格特质是决定个人决策、行为表现的关键因素,通过对个人心理要素、金融行为与信用表现、信用水平关系的梳理,重点分析了个人特质对信用行为表现的影响路径,以期为个人信用水平评估和信用风险预测提供理论支撑。

The assessment of credit level and credit risk is not only related to historical performance, but also closely related to the quality of integrity in that credit willingness is also reflected through personal psychology and behavior. Existing research shows that personality traits are key factors that determine personal decision-making and behavior. This article analyzes the impact path of personal traits on credit performance and behavior by sorting out the relationship between psychological factors, financial behavior, credit performance, and credit level, which intends to provide theoretical support for credit level assessment and credit risk prediction.