我国大数据征信行业的发展现状、问题与对策  

The Development Status,Problems and Countermeasures of Big Data CreditInvestigation Industry in China

作　　者：杨亚仙 庞文静 Yang Yaxian;Pang Wenjing(School of Finance and Economics,Renmin University of China,Beijing 100872,China;School of Statistics,Renmin University of China,Beijing 100872,China)

机构地区：[1]中国人民大学财政金融学院,北京100872 [2]中国人民大学统计学院,北京100872

出　　处：《征信》2020年第2期49-52,共4页Credit Reference

摘　　要：近年来,我国大数据征信广泛应用于反欺诈策略、信用评估、授信策略与风险定价、贷后管理等领域。针对我国现有征信模式存在的问题,提出明确信息采集范围、加快行业整合、推进应用场景多元化、提升个人信用意识等相应对策。China’s big data credit investigation is widely used in anti-fraud strategy,credit assessment,credit granting strategy and risk pricing,post-loan management and other fields.In view of the problems existing in the credit investigation mode in China,this paper puts forward some countermeasures,such as clarifying the scope of information collection,accelerating the industry integration,realizing the diversification of credit investigation scenarios,and enhancing individual credit awareness.

关 键 词：大数据征信 征信模式 个人征信 征信机构 

分 类 号：F832.33[经济管理—金融学]