大数据技术与个人征信评估:作用机制和实践路径  

Big Data Technology and Personal Credit Evaluation:Mechanism of Action and Practical Approach

作　　者：李亦雯 冉净斐 Li Yiwen;Ran Jingfei(Intelligent Finance,Henan Institute of Economics and Trade,Zhengzhou 450018,Henan,China;College of Economics and Management,Zhengzhou University of Light Industry,Zhengzhou 450001,Henan,China)

机构地区：[1]河南经贸职业学院智能财经学院,河南郑州450018 [2]郑州轻工业大学经济与管理学院,河南郑州450001

出　　处：《征信》2024年第5期65-72,共8页Credit Reference

基　　金：国家社会科学基金项目(23FGLB055);河南省社会科学规划一般项目(2022BJJ111)。

摘　　要：大数据征信作为社会信用体系构建的关键环节,外延了信用体系的内涵,丰富了信用管理的手段和范围。基于大数据技术使用场景,从信息集成、流程优化和安全维护三个维度对大数据技术应用于个人征信评估的优势展开系统分析,深入探究大数据技术应用于个人征信评估的作用机制,并从加强立法约束、降低数据歧视、注重信息保护三个方面提出大数据技术应用背景下个人征信评估的实践进路,以更好地发挥大数据技术对征信体系及金融领域的赋能作用。Big data credit,as a key element in the construction of the social credit system,expands the connotation of the credit system and enriches the means and scope of credit management.Based on the scenarios of big data technology usage,this article conducts a systematic analysis of the advantages of applying big data technology to personal credit assessment from three dimensions:information integration,process optimization,and security maintenance.The mechanism of applying big data technology to personal credit assessment is deeply explored.To better leverage the empowering role of big data technology in the credit reporting system and financial sector,the practical approach to personal credit assessment under the background of big data technology application is proposed from three aspects:strengthening legislative constraints,reducing data discrimination,and emphasizing information protection.

关 键 词：大数据技术 个人征信评估 数据治理 征信安全 

分 类 号：F832.4[经济管理—金融学] TP311.13[自动化与计算机技术—计算机软件与理论]