纽约联储基于征信数据开发消费信贷面板的研究

Research on Credit Data-based Consumer Credit Panel Developed by the Federal Reserve Bank of New York

对纽约联储开发的消费信贷面板产品相关数据的内容、优势、应用和选取方法进行分析研究,旨在借鉴美国消费信贷面板开发和应用的经验,深入挖掘征信数据的价值,为实现对我国的宏微观经济深度分析、服务央行宏观审慎监管和政策制定提供更丰富的数据支持。

This paper introduces the Consumer Credit Panel product developed by the Federal Reserve Bank of New York,and studies data contents and advantages,data analysis and application,and data selection methods of the product.It aims to learn from the experience of the development and application of the Consumer Credit Panel in the United States,dig into the value of credit data,and provide richer data support for the macro and micro economic in-depth analysis and macro prudential supervision and policy formulation of the central bank in China.