一、问题的提出(一 )什么是个人资信评估所谓个人资信评估 ,即是通过综合考察影响个人及其家庭内外客观、微观的环境 (包括经济、金融、司法、社会、工商、税务和财产等过程 ) ,使用科学严谨的分析方法 ,对个人及其家庭履约各种经济承诺的能力和可信程度进行全面的评判与估价 , First, the issue raised (a) What is personal credit assessment The so-called personal credit assessment, that is, through a comprehensive study of individuals and their families affect the objective and micro environment (including economic, financial, judicial, social, business, tax and property, etc. Process), the use of scientific rigorous analytical methods, individuals and their families to fulfill a variety of economic commitment to the ability and credibility of a comprehensive assessment and appraisal,