面向央行征信大数据分析的全流程协作范式研究

Research on the Integrated Collaboration Paradigm for Credit Big Data Analysis in the People's Bank of China

随着信息通信技术的发展,计算处理能力和速度不再是制约大数据分析占领制高点的关键。决定大数据分析成效的,更多地在于组织的"软实力",特别是科学的数据分析范式。结合央行金融信用信息数据库的特点,提出了两类全流程协作分析范式——项目型和日常型,为发挥征信大数据潜在价值,更好地服务微观信息需求和支持宏观经济金融决策奠定基础。

With the development of information and communications technologies, computing power and processing speed are no longer the bottlenecks for successful big data analysis. What decides the effect of big data analysis is the soft power of organizations, especially the scientific paradigms of data analysis. The paper presents two para-digms of integrated collaboration paradigm on the basis of the characteristics of credit big data, which are named project analysis paradigm and daily analysis paradigm, to explore the potential value of credit big data in serving mi- cro information demand and supporting macro economic and financial decision.