Abstract: Under the influence of the "ability determines the credit", the domestic research on the evaluation of the credit always uses "fixing on the evaluation indexes and establishing the system of the indexes by the fulfillment ability based on the property and the financial conditions" as the model. However, the practice of "the Grameen Bank", the research results of the Chinese enterprise survey, and the empirical research of the business credit guarantee in Zhejiang Province, they all show that "the ability determines the credit" is not effective in the oriental countries, the facts also show that the enterpriser quality is the main factor for determining the corporations' credit level. This means that there is a big defect in the theoretical research in China. The inner relationship between the personal quality and the value culture is focused, the theoretical and empirical research on the relationship between the personality and corporation's credit quality, credit level and the evaluation features of the quality is conducted, the results show that the corporation's credit quality and the credit level are highly correlated, and the structure of the evaluation featuers and its weighting proportion are given out.

Key words: enterprise, credit quality, evaluation