交易成本经济学视角下的替代数据共享机制  

Alternative Data Sharing Mechanism from the Perspective of Transaction Cost Economics

作　　者：贺新宇 He Xinyu(Postdoctoral Workstation of Credit Reference Center of the People's Bank of China,Beijing 100031,China;Postdoctoral Workstation of Financial Research Institute of the People's Bank of China,Beijing 100033,China)

机构地区：[1]中国人民银行征信中心博士后工作站,北京100031 [2]中国人民银行金融研究所博士后流动站,北京100033

出　　处：《征信》2023年第1期26-33,共8页Credit Reference

基　　金：中国博士后科学基金面上项目(2021M693482)。

摘　　要：借助威廉姆森对治理机制和交易类型的划分,分析替代数据的共享机制。研究表明,对标中国的征信市场环境、制度环境及技术条件,金融账户数据适合通过层级治理推动数据共享,公用事业、电信等特定债务的非信贷支付数据适合通过混合治理或层级治理推动数据共享,P2P网贷交易数据适合通过市场治理推动数据共享,社交媒体、互联网留痕等数据在短期内最好通过混合治理或层级治理推动数据共享。最后,提出坚定“政府+市场”的征信业发展路径、推进不同类型替代数据的共享工作、科学论证不同类型替代数据对信用评估的作用等建议。Based on the Williamson’s division of governance mechanism and transaction type,the sharing mechanism of alternative data is analyzed.The research shows that considering China’s credit investigation market environment,institutional environment and technical conditions,it is suitable for promoting data sharing of financial account data through hierarchical governance,it is suitable for promoting data sharing of non-credit payment data such specific debts as public utilities and telecommunications through mixed governance or hierarchical governance,it is suitable for promoting data sharing of P2P loan transaction data through market governance,it is best to promote data sharing of social media and the Internet in the short term through mixed governance or hierarchical governance.Finally,the paper puts forward suggestions on the development path of"government+market"credit investigation industry,promoting the sharing of different types of alternative data,and scientifically demonstrating the effects of different types of alternative data on credit evaluation.

关 键 词：替代数据 交易成本经济学 共享机制 治理机制 

分 类 号：F832.4[经济管理—金融学]