Hi taximoney,
How much research have you done on this topic? What the Chinese Government is attempting to implement reaches far further than financial credit scoring.
Maybe start with looking at what happens to the "scores" of those citizens that publicly criticize the one party system, and lack of free speech / democratic institutions within the country. Labeling, for example, an investigative journalist a 'thug' is quite bizarre on your part.
This is all about population control, and the Communist Party re-asserting it's dominance over every aspect of Chinese life. From what you buy at the supermarket, to who you marry.
Cheers!
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