征信赋能普惠金融的实践探索——以益博睿、艾可飞和环联为例  

Practical Exploration of Credit Investigation to Empower Inclusive Finance:Taking Experian,Equifax and TransUnion as Examples

作　　者：王冬冬 王丽丽 丁艳艳 Wang Dongdong;Wang Lili;Ding Yanyan(Jinan Branch of the People’s Bank of China,Jinan 250021,Shandong,China)

机构地区：[1]中国人民银行济南分行,山东济南250021

出　　处：《征信》2023年第1期34-39,共6页Credit Reference

摘　　要：征信活动对于帮助更多的消费主体合理获得信贷支持,实现普惠金融目标具有积极作用。聚焦国际三大征信机构益博睿、艾可飞和环联的创新举措,阐述其在征信数据应用、评分模型开发以及信用服务升级等方面的有益实践,发现积极使用替代数据和BNPL数据,适时推出FICO的替代评分,探索应用开放银行服务、人工智能等新兴技术完善信用评价等有助于提高信贷决策的包容性,拓展普惠金融的覆盖面。最后建议国内征信机构创新优化信用评价,积极支持金融机构加大信贷投放。Credit investigation activities play a positive role in helping more consumers to reasonably obtain credit support and realize the goal of inclusive finance.Focusing on the innovative measures of the three major international credit investigation institutions,Experian,Equifax and TransUnion,this paper describes their beneficial practices in the application of credit investigation data,the development of scoring model and the upgrading of credit services,finds that they actively use alternative data and BNPL data,timely launch the alternative score of FICO,and exploring the application of open banking services,artificial intelligence and other emerging technologies to improve credit evaluation will help make credit decisions more inclusive and expand the coverage of financial inclusion.Finally,it is suggested that it’s necessary for domestic credit investigation institutions to innovate and optimize credit evaluation,and actively support financial institutions to increase credit delivery.

关 键 词：征信替代数据 普惠金融 信用评分模型 信用评价产品 

分 类 号：F832.4[经济管理—金融学]