"College students' credit files" have a historical record of credit behavior and have preservation value. It is an electronic database that records the credit activities of credit subjects comprehensively, objectively, dynamically and in many ways through the credit file platform.

The archives are established by students, schools, employers and China Talent Credit Network, including personal maintenance information, school maintenance information and third-party certification information, and students will also have information maintained by their work units after graduation.

This kind of credit file has a one-to-one correspondence with credit subjects, and has a specific structural space and maintenance authority. It is a comprehensive, objective, dynamic and multi-faceted electronic database that records credit activities of credit subjects, including indicators reflecting credit will and credit ability.

The logic between indicators is clear and relatively independent. The same credit file must be kept independently according to the maintenance time and maintenance subject, so as to realize the continuous accumulation of credit information and asset appreciation.