(CNN) -- Today's world increasingly challenges us to think differently about value and money. How important is your reputation? Does it have an impact on your finances? What is the currency of reputation and is it transferable or exchangeable?
來源：CNN--當(dāng)今的世界不斷驅(qū)使我們思考價值與金錢對我們的重要性。個人聲譽(yù)有多重要？對于資金到底有多大影響？名譽(yù)的通行證是什么？還有，那是可以轉(zhuǎn)移的還是可以兌換的？

How is reputation created?
信譽(yù)如何建立？

Reputation is co-created by individuals having experiences. You've probably even shared your own experiences with something you enjoyed or warned others about a less-than-positive experience. Your FICO score in the United States measures your credit risk, which is really credit reputation, based on your behavior.
信譽(yù)是由擁有不同經(jīng)歷的人共同創(chuàng)造的。也許你在你所喜歡的事情中運(yùn)用到你的經(jīng)驗(yàn)，或者提醒別人一個經(jīng)驗(yàn)稍缺的事情。美國的FICO信用記錄將會衡量你的信用分值，這就是真正意義上根據(jù)你的行為而測量的個人信譽(yù)記錄了。

FICO：FICO信用分是由美國個人消費(fèi)信用評估公司開發(fā)出的一種個人信用評級法，已經(jīng)得到社會廣泛接受。FICO信用分計(jì)算的基本思想上把借款人過去的信用歷史資料與數(shù)據(jù)庫中的全體借款人的信用習(xí)慣相比較，檢查借款人的發(fā)展趨勢跟經(jīng)常違約、隨意透支、甚至申請破產(chǎn)等各種陷入財(cái)務(wù)困境的借款人的發(fā)展趨勢是否相似。美國各種信用分的計(jì)算方法中，F(xiàn)ICO信用分的正確性最高。

Reputation is crucial for the new economics of the 'Sharing Economy'
信譽(yù)在"分享型經(jīng)濟(jì)"中是至關(guān)重要的因素。

Reputation is a requirement of the sharing economy. For Airbnb hosts and Uber and Lyft drivers, positive ratings are paramount to their success. It might seem crazy to stay at a stranger's house, but on Airbnb host reviews facilitate trust among strangers. Your AirBnB, Yelp and eBay reviews have immense values outside their immediate platforms. Even though these reputation systems have been created for the specific company -- imagine how powerful it would be to have your reputation in one place.
信譽(yù)保證是分享型經(jīng)濟(jì)的需要。無論對于Airbnb的主人還是對于Uber或Lyft的駕駛員來說，業(yè)界正面的評價是他們成功的至關(guān)因素。也許你會覺得在陌生人家居住是一件不可思議的事情，但是旅客對Airbnb的信賴卻是毋庸置疑的。Airbnb, Yelp和eBay的售后反饋對他們的名聲有極大的價值作用。即使這些聲譽(yù)評價系統(tǒng)只為某個特定的公司而設(shè)——請想想它是多么的強(qiáng)大甚至能把你納入評價范圍內(nèi)。

paramount: 最重要的，至高無上的。be paramount to: 對……至關(guān)重要
Airbnb: Airbnb是AirBed and Breakfast ("Air-b-n-b")的縮寫,中文名：空中食宿?？罩惺乘奘且患衣?lián)系旅游人士和家有空房出租的房主的服務(wù)型網(wǎng)站，它可以為用戶提供各式各樣的住宿信息。Airbnb成立于2008年8月，總部設(shè)在美國加州舊金山市。Airbnb是一個旅行房屋租賃社區(qū)，用戶可通過網(wǎng)絡(luò)或手機(jī)應(yīng)用程序發(fā)布、搜索度假房屋租賃信息并完成在線預(yù)定程序。
Uber，Lyft：美國的打車手機(jī)應(yīng)用。
Yelp：美國最大的點(diǎn)評網(wǎng)站。
eBay: eBay（EBAY，中文電子灣、億貝、易貝）是一個管理可讓全球民眾上網(wǎng)買賣物品的線上拍賣及購物網(wǎng)站。ebay于1995年9月4日由Pierre Omidyar以Auctionweb的名稱創(chuàng)立于加利福尼亞州圣荷西。人們可以在ebay上通過網(wǎng)絡(luò)出售商品。

Uber and Lyft are both independent operator ride-sharing platforms. Both companies facilitate the connection between driver and passenger. Drivers must be reviewed and approved before giving rides through their system. In a move to gain more drivers and compete with Lyft, Uber reportedly offered bonuses to tempt already-approved Lyft drivers to the Uber platform. In some cases, it was apparently easier for a new driver to go through the Lyft approval process and then switch companies, than it was to apply directly to Uber.
Uber 和Lyft 都是獨(dú)立運(yùn)營的駕乘共享平臺。兩所公司都配置乘客與駕駛員之間的聯(lián)系載體。駕駛員在接載乘客之前，必須經(jīng)過系統(tǒng)的審核通過。據(jù)報道，Uber為了在與Lyft的競爭中爭取更多乘客，愿意給乘客額外的獎勵以此吸引早已支持Lyft的乘客。在某些情況下，對于新駕駛員來說，比直接申請加入Uber更容易的事，就是通過Lyft的測試再投向其他的公司。

Reputation and the future
信譽(yù)與未來

Reputation will become an increasingly visible part of our everyday transactions. While we will create reputation on individual platforms, there will be an increasing demand for fluid exchange of reputation and ratings from one system to another. We'll see tools to aggregate your reputation in one place. We may even see reputation system APIs developed to enable the transfer of your reputation to new platforms.
信譽(yù)將會在我們每天的交流中充當(dāng)越來越重要的角色。我們有可能在某個個人平臺上建立自己的信譽(yù)，同時也會有在不同系統(tǒng)的相應(yīng)增長的信譽(yù)和排名的流動交換。我們會發(fā)現(xiàn)這些工具在其標(biāo)準(zhǔn)下統(tǒng)計(jì)整合。甚至我們能夠發(fā)現(xiàn)信用系統(tǒng)應(yīng)用程序的發(fā)展，以致我們的信譽(yù)記錄在不同的平臺之間可以互相傳遞。

Picture this: four friends having dinner in a restaurant in the not-too-distant future. After the meal, they pay using a "Smart Check," using integrated mobile payments, credit cards and private coins. As part of the Smart Check experience, diners can rate their experience immediately -- everything from individual dishes, the service, and even the restaurant itself.
請想象一下這個情況：在不久將來，將會有四個朋友在一間餐館里面共進(jìn)晚餐。晚餐過后，他們使用"Smart Check"進(jìn)行支付手續(xù)，這是一個移動支付平臺，運(yùn)用信用卡或私人貨幣等。這一頓晚餐作為Smart Check體驗(yàn)的一部分，就能夠在其平臺馬上獲得評價與升級——什么事情都可以，個人菜單，服務(wù)，甚至是餐館都可以在這里得到反映。

Or how about this -- it's the year 2020 and a woman is searching for a motorcycle at an online classified site. As part of her search results, the seller's reputation is shown. This makes it easy to decide which seller to deal with.
又或者是這樣，在2020年的一天，一位女士正在網(wǎng)上搜尋一輛摩托車。在她搜尋的范圍內(nèi)，賣家的信譽(yù)能夠被看到。這樣她就能夠更容易地選擇哪一家店了。

Beyond these scenarios, expect to see more fluid exchange of reputation between their original systems -- akin to monetary exchanges. We'll see more of personal reputation integrated in person-to-person transactions, which will enable deeper transactions in the resource sharing economy.
除了這些情況下，再試想一下不同系統(tǒng)之間的信譽(yù)流動交換——類似于貨幣流通的情況。我們將會見證到與個人信譽(yù)度更密切相連的人與人之間的建議，使得分享型經(jīng)濟(jì)的資源交易越來越深刻。

小編小結(jié)：文章通過分析Uber和Lyft的例子，把信用評價系統(tǒng)作為衡量一間企業(yè)是否符合大眾要求的標(biāo)準(zhǔn)，人們通過在網(wǎng)絡(luò)平臺上發(fā)布自己的意見，從而給其他消費(fèi)者提供參考。排名靠前的企業(yè)，也能因此而獲得消費(fèi)者的信賴，成為大家的首選。在我們國家也有類似的軟件，如支付寶，大眾點(diǎn)評等，都能夠給大家提供快捷便利的幫助，如果我們想要獲得信譽(yù)良好、質(zhì)量上乘的產(chǎn)品和服務(wù)，就一定要先了解該產(chǎn)品的背景，信譽(yù)度等，以此保障自己的權(quán)益。

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