数字经济下的征信替代数据发展研究

Research on the Development of Alternative Credit Data under the Digital Economy

在数字金融场景下,替代数据有助于解决薄信用人群的信用评价问题,在现代征信体系中发挥着重要作用。从替代数据对信贷市场发展的影响入手,结合国内外应用实践,分析替代数据的采集应用问题,总结提炼数据边界与数据类型,借助SWOT分析方法剖析数据应用利弊,思考构建规范的数据使用机制,同时借鉴国外监管经验提出我国替代数据的监管建议,积极引导替代数据规范发展,进一步促进我国社会信用环境改善,加快构建覆盖全社会的信用体系。

Alternative data plays an important role in the modern credit investigation system and helps to solve the problem of credit evaluation of people with low credit information in the digital financial scene. This paper starts with the impact of alternative data on the development of the credit market, analyzes the collection and application of alternative data combined with domestic and foreign application practices, and summarizes and refines data boundaries and data types. It also analyzes the pros and cons of data application with the help of SWOT analysis method, focuses on building a standardized data use mechanism. At the same time, it actively draws on foreign regulatory experience and puts forward regulatory recommendations for China’s alternative credit data. The research will help guide the normative development of alternative data, further promote the improvement of domestic social credit environment, and accelerate the construction of a credit system that covers the entire society.