摘要
大数据征信能够满足缺乏或没有信贷记录人群的金融需求,是传统征信的有益补充。发展好大数据征信对于实现普惠金融,促进我国社会信用体系建设有着重要的意义。阐述了美国和我国大数据征信的发展现状,总结了大数据征信的特点,探讨了我国大数据征信存在的不足以及面临的挑战。最后提出相应的对策及建议。
Big data credit reporting could meet the financial needs of the people who have little or no credit records, and is a useful complement to the traditional credit. The development of big data credit reporting is of great significance to the inclusive finance and the construction of social credit system in China. The current situation of big data credit reporting in the United States and China were described and the characteristics of big data credit reporting were summarized. Also, the shortcomings and challenges of big data credit reporting in China were discussed. Finally, solutions and polices were also proposed.
出处
《大数据》
2017年第1期27-34,共8页
Big Data Research
关键词
大数据技术
征信体系
信用评分
big data technology
credit system
credit scoring
