Abstract
Firstly, the present thesis reviewed previous studies about the financial revolution of personal credit in Wenzhou city as well as the unmanned store experiments in Beijing and Hangchow. Secondly, this study described the investigations regarding the development of personal credit between China and United States of America. The object of the current study was to explore how the interest preference and interpersonal relationship related to internet behavior, education, and occupational background using the analyses of correlation and regression, based on the concept of Zhima credit of Alibaba group. To sum up, the findings of present study provided solid contributions for both academic research and practical applications for business fields.