我国金融机构外部数据的流通现状及对策建议  

Current situation and countermeasures on external data circulation of financial institutions in China

作　　者：侯宁 张斯睿 童锦瑞 HOU Ning;ZHANG Sirui;TONG Jinrui(Cloud Computing&Big Data Research Institute,China Academy of Information and Communications Technology,Beijing 100191,China)

机构地区：[1]中国信息通信研究院云计算与大数据研究所,北京100191

出　　处：《信息通信技术与政策》2025年第4期55-59,共5页Information and Communications Technology and Policy

摘　　要：金融业作为数据密集型和科技驱动型行业,在我国数字化转型中占据重要地位。而外部数据作为金融风控、营销获客的有效信息补充在各金融机构中的重要性逐渐凸显。近年来,头部金融机构掀起一轮外部数据流通管理的创新与实践热潮,然而,由于数据流通的监管红线不明确、数据获取授权链条不清晰、数据管理精细化水平不高等问题,金融机构外部数据的流通环境尚处在无序状态。发挥政府有序引导和规范发展的作用,明确各参与主体责任和义务,支持金融机构的创新探索,培育外部数据的可信流通体系成为当前的重要任务。The financial industry,which is a data intensive and technology driven sector,occupies an important position in China's digital transformation.External data,as an effective information supplement for financial risk control and marketing customer acquisition,has become increasingly important in financial institutions.In recent years,the financial institutions set off a round of innovation and practice upsurge in external data circulation management.However,due to the unclear regulatory redline of data circulation,unclear data acquisition authorization path,and low level of refinement of data management,the external data circulation environment of financial institutions is still in a disordered state.It has become an important task to give play to the role of the government in orderly guiding and standardizing development,clarify the responsibilities and obligations of all participants,support the innovation and exploration of financial institutions,and cultivate a credible circulation system for external data.

关 键 词：数据流通 外部数据 外部数据管理 可信数据源 

分 类 号：F49[经济管理—产业经济] TP393.08[自动化与计算机技术—计算机应用技术]