替代性数据对信用风险评估的作用研究及启示

Research and Enlightenment on the Role of Alternative Data in Credit Risk Assessment

替代性数据是传统借贷信息的有益补充,在现代化征信体系中发挥着重要作用。替代性数据的应用有助于提升违约预测能力、促进普惠金融发展,结构化替代性数据的作用表现在风险预测能力的提升,而非结构化替代性数据的作用更多体现在对客户的全面评估上。以银行账户结算数据为代表的具有较强预测力的替代性数据是应用中的优先选择。在发挥替代性数据信用价值的同时,有必要强化监管,防范应用过程的各类风险。

Alternative data is useful supplement to the traditional credit information and plays an important role in modern credit reporting system.Its application helps to improve default prediction accuracy and promote the development of inclusive finance.The role of structured alternative data is reflected in the improvement of risk prediction capabilities,while the role of unstructured alternative data is more reflected in the comprehensive evaluation of customers.Alternative data with strong predictive power represented by bank account settlement data is the preferred choice in applications.It is necessary to strengthen regulation and prevent various risks in the application process while displaying the role of alternative data’s credit value.