重新认识“信用科技”  

Revisiting“Credit Technology”

作　　者：林钧跃[1] Lin Junyue(Credit Academic Committee,Chinese Association of Market Development,Beijing 100192,China)

机构地区：[1]中国市场学会信用学术委员会,北京100192

出　　处：《征信》2024年第4期1-6,共6页Credit Reference

摘　　要：信用科技是推动信用经济和数字经济发展的新动力。金融信控界、信控服务业和信用理论界三个领域的专家学者对信用科技应包含的技术门类和技术边界存在着不同的认识,在技术门类方面三个领域之间存在着后者包含前者的关系。信用科技方法具有自然科学属性,却应用于市场经济和社会治理领域。其中的非接触式信用科技方法适用于解决经济社会的信用风险控制问题,在该领域我国的技术水平或能跟得上国际第一梯队;而接触式信用科技方法适用于对个人失信行为的预防和矫正,在该研究领域我国尚处于空白状况。鉴于目前信用科技在我国尚处于初级发展阶段,以国家实验室形式整合资源和推动技术进步应是可取之策。Credit technology is a new driving force to promote the development of credit economy and digital economy.Experts and scholars in the fields of financial credit control,credit control services and credit theory have different perceptions of the technical categories and technical boundaries of credit technology,and in terms of technical categories,there is a relationship between the three fields in which the latter encompasses the former.Credit technology methods have the attributes of natural science,but are applied in the field of market economy and social governance.The non-contact credit technology method is suitable for solving the economic and social credit risk control problems,in this field China’s technical level may be able to keep up with the international first echelon;while the contact credit technology method is suitable for preventing and correcting individual’s dishonesty behavior,in this research field China is still in a blank condition.In light of the fact that credit technology is in the early stage of development in China,it is desirable to integrate resources and promote technological progress in the form of national laboratories.

关 键 词：信用科技 金融科技 诚信评价 信用生理学 信用投放 国家实验室 

分 类 号：F832.29[经济管理—金融学]