电力大数据用于企业征信的适用性探讨和商业模式分析

Applicability Discussion and Business Model Analysis of Power Big Data for Enterprise Credit Investigation

随着国网公司数字化转型工作的推进,深入挖掘电力大数据的价值潜力,发挥数据要素价值至关重要。分析了目前国内征信行业现状和企业征信面临的问题,结合电力数据的特点,对电力大数据用于企业征信的适用性进行了探讨,并参照市场典型数据产品的应用场景、商业模式,分析了电力数据在企业征信领域应用的商业模式和产品设计,为研发数据增值产品、探索数据增值变现,推动数字产业化发展提供了思路和参考。

With the progress of the digital transformation of State Grid Corporation,it is very important to deeply explore the value potential of power big data and exert full play to the value of data elements.This paper analyzes the status quo and problems of domestic credit investigation industry,and discusses the applicability of power big data in enterprise credit investigation based on the characteristics of power data.With reference to the application scenarios and business models of typical data products in the market,it studies and analyzes the business model and product design of power data applied in the field of enterprise credit investigation,which provides ideas and references for the research and development of data value-added products,the exploration of data value-added realization and the promotion of digital industrialization.