大数据在我国个人征信领域的问题探索

Exploring the Problems of Big Data in the Field of Personal Credit Information in China

随着互联网和大数据技术的不断发展,对征信行业具有强大的冲击力,颠覆传统征信观念。针对目前我国互联网征信仍处于初级阶段,存在信用主体权益难以保障、征信数据共享困难、信息安全风险较大、大数据征信准确性有待验证等问题,提出大数据征信体系的发展建议。

With the continuous development of the Internet and big data technology, it has a strong impact on the credit reportingindustry and subverts the traditional concept of credit reporting. In view of the fact that China＇s Internet credit reporting is still in itsinfancy, and there are problems such as difficulty in securing credit subject rights, difficulty in collecting credit data, high informationsecurity risks, and doubt in accuracy of big data credits, suggestions for the development of big data credit system are proposed.