个人信用评分体系比较研究及其当代价值  

A Comparative Study of Personal Credit Scoring Systems and Its Contemporary Value

作　　者：余炫朴 李志强[1] 段梅 YU Xuanpu;LI Zhiqiang;DUAN Mei(School of Statistics,Jiangxi University of Finance and Economics,Nanchang,Jiangxi 330013,China)

机构地区：[1]江西财经大学统计学院

出　　处：《江西师范大学学报（哲学社会科学版）》2019年第4期138-144,共7页Journal of Jiangxi Normal University(Philosophy and Social Sciences Edition)

基　　金：2016年国家自然科学基金委员会资助项目“复杂性视角下民生系统的综合评价研究——以江西为例”(编号:71663024);教育部人文社会科学研究青年基金项目“经济政策不确定性、时变的菲利普斯曲线与货币政策有效性”(编号:17YJC790028);软科学研究计划一般项目“江西省高校协同创新机制及项目绩效评价研究”(编号:20161BBA10071)

摘　　要：随着互联网技术的快速发展,运用大数据技术于个人信用行业是必然趋势。基于大数据技术构建的个人信用评分体系常用于互联网金融机构。大数据技术的评分体系有着处理速度快、评分指标数量庞大、评分方法更新周期短、适应性强等特点。尽管大数据构架下的个人信用评分体系有着诸多优势,但传统构架下的个人信用评分体系却掌握着关键的客户历史信用数据。打破数据壁垒,加强技术创新,将传统的个人信用评分体系与大数据技术相互融合,有助于完善我国个人信用评分体系与防控金融风险。With the rapid development of internet technology,the application of big data technology in personal credit industry is an inevitable trend.Personal credit scoring systems based on big data technology are often used in internet financial companies.Compared with traditional personal credit scoring systems,it is found that the scoring system based on big data technology has the characteristics of fast processing speed,large number of scoring indicators,short update cycle of scoring methods and strong adaptability.Although the personal credit scoring system under the big data framework has many advantages,the personal credit scoring system under the traditional framework grasps the key customer historical credit data.Breaking the data barrier,strengthening technological innovation and integrating the traditional personal credit scoring system with big data technology will help improve our personal credit scoring systems and control financial risks.

关 键 词：大数据 个人信用评分 互联网金融 比较研究 

分 类 号：F222.1[经济管理—国民经济]