我国数字普惠金融信用体系建设研究

Research on the Construction of Digital Inclusive Financial Credit System in China

随着互联网和信息技术的不断发展,金融数字化成为金融行业发展的重点。随之,数字普惠金融开始逐渐发展,满足了“三农”、小微企业等主体的金融需求,拓展了金融服务广度。但是,由于普惠金融的服务对象大多缺乏信用信息,存在难以用传统资信评估模型判断信用品质等问题,因此,数字普惠金融的信用体系建设就显得尤为关键。为此,在梳理我国数字普惠金融的信用现状与问题的基础上,提出我国数字普惠金融信用体系建设的对策与建议。

With the continuous development of the Internet and information technology, financial digitization is the focus of the development of the financial industry. Digital Inclusive Finance has gradually developed to meet the financial needs of “three rural”, small and micro enterprises, and expand the scope of financial services. However, due to the lack of credit information in most of the customers of Inclusive Finance, it is difficult to judge the credit quality with the traditional credit evaluation model. Therefore, the construction of the credit system of digital Inclusive Finance is particularly critical. On the basis of combing the credit status and problems of digital Inclusive Finance in China,this paper puts forward some countermeasures and suggestions for the construction of credit system of digital Inclusive Finance in China.