数字经济下征信替代数据应用的研究与启示

Research and Enlightenment on the Application of Alternative Data of Credit Reporting in Digital Economy

对增加信用有效供给、优化信用服务水平提出更高要求的我国经济和社会信用体系建设,已经进入了高质量的发展阶段。在此背景下,如何利用数字经济的发展优势,对征信替代数据进行合理充分应用,是当前我国征信业新兴的前沿研究领域。文章在阐述替代数据应用前景和国内外应用现状的基础上,对国内替代数据应用的现存问题进行重点剖析,并基于合规与发展并重的视角,为高标准、高质量应用替代数据建言献策。

The construction of China’s economic and social credit system,which puts forward higher requirements for increasing the effective supply of credit and optimizing the level of credit service,has entered a high-quality stage of development.In this context,how to make full use of the development advantages of the digital economy to reasonably and fully apply the alternative data of credit reporting is a new frontier research field in China’s credit reporting industry.On the basis of describing the application prospect of alternative data and the application status at home and abroad,this paper analyzes the existing problems of domestic alternative data application,and based on the perspective of paying equal attention to compliance and development,puts forward suggestions for the application of high standard and high quality alternative data.