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本文采用分层抽样方法对江苏省13个城市的公民进行问卷调查,结果发现:仅9.0%的公民在个人信用知识题上的得分达到6分及以上(满分10分);88.7%的公民在个人信用情境题中的得分达到6分及以上(满分10分);公民的理性信用意识和一般信用意识之间存在弱相关(r=0.252<0.3)。可见,江苏省公民的个人信用知识素养不高,但遇到具体个人信用情境时,大部分公民都具备良好的一般信用意识且能较好应对。由此,我们建议不仅要加强对公民信用知识的灌输和补充,还应聚焦信用生活:加强信用情境案例教育;加强企业信用文化培育;加强公民信用意识和信用人格培养。
Using a stratified sampling method to survey citizens in 13 cities in Jiangsu Province, we find that only 9.0% of citizens score 6 points or more on personal credit scores (out of 10), and 88.7% of citizens There was a weak correlation between the rational credit awareness of the citizens and the general credit awareness (r = 0.252 <0.3) when scores of individual credit situation reached 6 points or above (out of 10 points). Visible, Jiangsu Province, citizens of the personal credit quality of knowledge is not high, but encountered a specific personal credit situation, most of the citizens have a good general sense of credit and can better respond. Therefore, we suggest that we should not only strengthen the instillation and supplement of citizen’s credit knowledge, but also focus on credit life: strengthen case education in credit situation; strengthen the cultivation of credit culture of enterprises; strengthen the citizen’s credit awareness and credit personality training.