论财产征信的技术革新和行业重生

On the Technological Innovation and Rebirth of the Property Credit Reporting Industry

财产征信是传统征信行业的一个分支,其服务多见于亚洲的征信市场。鉴于过去我国的法律环境,财产征信没能被顺利引进国内市场。当前,商品追溯行业的发展和行业信用体系建设工作的推进,倒逼财产征信技术方法做出了技术革新。新型财产征信的目标主体有所变化,征信范围也有所扩大,征信服务有了明显的市场和社会需求。财产征信方法革新后呈现出复杂性、综合性等特征,同时需要采用企业征信和个人征信技术,在这两个领域均有应用场景。

As branch of the traditional credit reporting industry, property credit reporting is commonly provided on the Asian credit market. However, due to the legal environment of China in the past, this kind of credit reporting service has not been successfully introduced into the domestic market. Currently, property credit reporting has been pressed to make innovations on technological methods with the development of commodity-tracing industry and the advancement of credit system construction of the industry. The target subject of the new type of property credit reporting has changed and the coverage scope expanded, and the market and the society are in obvious need of credit reporting services. Considering the complexity and comprehensiveness of the method of property credit reporting after the innovation, it is necessary to adopt technologies of enterprise credit reporting and that of personal credit reporting field in that there are application scenarios of property credit reporting in these two fields.