长尾市场信息集散特征与征信管理研究

Study on the Information Distribution Characteristics of Long-tail Market and Credit Reporting Management

长尾市场信用信息有涵盖面广、个性化强、单笔金额小、交易总量大等特征,互联网金融平台已成为长尾交易信息重要集散地。建立双渠道平行征信系统,政府引导、市场主导是完善征信机制的可行方案。地方政府可通过项目扶持区域性互联网金融信息寡头平台发展,推进平台信息的互联与共享,引入多元信息比对机制,加强信息的辨识与信息价值挖掘,最终实现社会全息征信目标。

Credit information on the long-tail market demonstrates the characteristics of broad coverage,strong individuation,small amount of singe deal,and high transaction volumes,etc.And the internet finance platforms have become an important information distribution center for long-tail transactions.It is a feasible scheme for improving the credit reporting mechanism to establish a double-channel,parallel credit reporting system and insist on the leading of the government and the dominance of the market in the construction process.Local governments can support the development of regional oligopolistic platform on internet finance information through certain programs,promote the connectivity and sharing of platform information,introduce multi information comparison mechanism,and strengthen the identification of information and the exploration of its value,finally achieving the aim of providing a holographic credit reporting system for the society.