I'm still on the fence. A lot of the time when you run a credit score you also run a police check. Not always but often enough. I expect most of the other stuff will be too much effort to be kept in the score at a national level unless it is a token amount.

China doesn't have the same incarceration rate that the US has (I don't think anyone does). I also don't know how long the score will be impacted by a criminal history.

I'm not saying it will work. I'm just saying that because other countries have done it one way does not mean that every other way of doing it is automatically wrong.

As an expat here my current score is "B" but I'll move up to an "A" next year. I don't know if that score means anything...