近年来，个人信用惩戒以其成本低、效率高、效果好等诸多优势，成为行政治理的重要手段，但同时，个人信用惩戒“箩筐化”端倪显现。从立法和执法两个角度探究个人信用惩戒适用泛化表现并分析其成因，可以更好地解决问题。在对个人信用惩戒的概念、表现、危害性与规范必要性等进行介绍后，总结个人信用惩戒适用泛化的成因包括个人信用惩戒性质不清、目标不明；法律位阶低；法律程序存在缺陷以及救济机制不足。对于上述成因，针对性地提出明确个人信用惩戒的性质与目标、推动专门立法、确立适用界限和标准、完善法律程序和救济机制等改进措施。

In recent years, personal credit punishment has become an important means of administrative governance with many advantages such as low cost, high efficiency and good effect, but at the same time, there is a tendency to abuse personal credit punishment. It can solve the problem better to explore the generalized performance of the application of personal credit punishment and analyze its causes from the perspectives of legislation and law enforcement. After introducing the concept, performance, harmfulness and normative necessity of personal credit punishment, this paper summarizes the causes of the generalization of personal credit punishment, including unclear nature and unclear objectives; The legal rank is low; There are flaws in the legal process and inadequate relief mechanisms. For the above reasons, the author puts forward some improvement measures, such as clarifying the nature and objectives of personal credit punishment, promoting special legislation, establishing applicable limits and standards, and improving legal procedures and relief mechanisms.