企业的信誉与收益
<p>(<span word="CNN">CNN</span>) -- <span word="Today">Today</span>'<span word="s">s</span> <span word="world">world</span> <span word="increasingly">increasingly</span> <span word="challenges">challenges</span> <span word="us">us</span> <span word="to">to</span> <span word="think">think</span> <span word="differently">differently</span> <span word="about">about</span> <span word="value">value</span> <span word="and">and</span> <span word="money">money</span>. <span word="How">How</span> <span word="important">important</span> <span word="is">is</span> <span word="your">your</span> <span word="reputation">reputation</span>? <span word="Does">Does</span> <span word="it">it</span> <span word="have">have</span> <span word="an">an</span> <span word="impact">impact</span> <span word="on">on</span> <span word="your">your</span> <span word="finances">finances</span>? <span word="What">What</span> <span word="is">is</span> <span word="the">the</span> <span word="currency">currency</span> <span word="of">of</span> <span word="reputation">reputation</span> <span word="and">and</span> <span word="is">is</span> <span word="it">it</span> <span word="transferable">transferable</span> <span word="or">or</span> <span word="exchangeable">exchangeable</span>?</p><p>来源：<span word="CNN">CNN</span>--当今的世界不断驱使我们思考价值与金钱对我们的重要性。个人声誉有多重要？对于资金到底有多大影响？名誉的通行证是什么？还有，那是可以转移的还是可以兑换的？</p><p><span word="How">How</span> <span word="is">is</span> <span word="reputation">reputation</span> <span word="created">created</span>?</p><p>信誉如何建立？</p><p><span word="Reputation">Reputation</span> <span word="is">is</span> <span word="co">co</span>-<span word="created">created</span> <span word="by">by</span> <span word="individuals">individuals</span> <span word="having">having</span> <span word="experiences">experiences</span>. <span word="You">You</span>'<span word="ve">ve</span> <span word="probably">probably</span> <span word="even">even</span> <span word="shared">shared</span> <span word="your">your</span> <span word="own">own</span> <span word="experiences">experiences</span> <span word="with">with</span> <span word="something">something</span> <span word="you">you</span> <span word="enjoyed">enjoyed</span> <span word="or">or</span> <span word="warned">warned</span> <span word="others">others</span> <span word="about">about</span> <span word="a">a</span> <span word="less">less</span>-<span word="than">than</span>-<span word="positive">positive</span> <span word="experience">experience</span>. <span word="Your">Your</span> <span word="FICO">FICO</span> <span word="score">score</span> <span word="in">in</span> <span word="the">the</span> <span word="United">United</span> <span word="States">States</span> <span word="measures">measures</span> <span word="your">your</span> <span word="credit">credit</span> <span word="risk">risk</span>, <span word="which">which</span> <span word="is">is</span> <span word="really">really</span> <span word="credit">credit</span> <span word="reputation">reputation</span>, <span word="based">based</span> <span word="on">on</span> <span word="your">your</span> <span word="behavior">behavior</span>.</p><p>信誉是由拥有不同经历的人共同创造的。也许你在你所喜欢的事情中运用到你的经验，或者提醒别人一个经验稍缺的事情。美国的<span word="FICO">FICO</span>信用记录将会衡量你的信用分值，这就是真正意义上根据你的行为而测量的个人信誉记录了。</p><p><span word="FICO">FICO</span>：<span word="FICO">FICO</span>信用分是由美国个人消费信用评估公司开发出的一种个人信用评级法，已经得到社会广泛接受。<span word="FICO">FICO</span>信用分计算的基本思想上把借款人过去的信用历史资料与数据库中的全体借款人的信用习惯相比较，检查借款人的发展趋势跟经常违约、随意透支、甚至申请破产等各种陷入财务困境的借款人的发展趋势是否相似。美国各种信用分的计算方法中，<span word="FICO">FICO</span>信用分的正确性最高。</p>
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