互联网金融背景下征信机构的商业模式及其核心竞争力提升路径

The Business Model and Improving Pathways of Core Competitiveness for Credit Institutions Under the Background of Internet Financial

互联网金融,作为当前最受关注的新兴资本市场之一,已处于行业发展的关键时期。因此,在互联网金融背景下探讨征信机构提升自身核心竞争力的路径,有着极其重要的现实意义。当前,我国互联网金融征信机构的商业模式主要有大数据征信、行业数据中心、数据分发中心以及数据链接中心共享四种模式。针对征信机构在模式创新、数据优化、服务质量及信息安全等方面存在的问题,征信机构需要从模式创新、多维度数据来源、数据整合能力及算法技术等5方面来提升其核心竞争力。

Currently,the emerging field of Internet financial presents a blowout type of development,so,it has the extremely important practical significance to discussing the business model and improving pathways of core competitiveness for credit institutions under the background of internet financial. Now,the four commercial models of credit institution are summarized as follows： large data credit mode,industry data center model,data distribution center model and data link center sharing mode. On this basis,the paper analyzes the main problems of the core competitiveness of the existing credit institutions, such as： model innovation, data optimization,service quality and information security. Finally,the paper points out those credit institutions need to promote five pathways for their core competitiveness,such as model innovation,multi-dimensional data source,data integration ability and algorithm technology.