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现代化征信体系下,作为传统信用信息有益补充的新型生产要素,替代数据在征信支持普惠金融发展方面取得了显著成效,但准确认定并妥善治理替代数据的问题亟待解决。通过分析美国替代数据对信用评分制度的修正路径,对我国替代数据发展提出加强顶层设计、注重隐私保护、明确采集原则和方式、形成多方共治格局等建议。
Abstract：Under the modern credit registry system, as a new production factor which is a beneficial supplement to traditional credit information, alternative data has achieved remarkable results in credit registry supporting the development of inclusive finance, but the problem of accurate identification and proper governance of alternative data needs to be solved urgently. By analyzing the revision path of American alternative data to the credit scoring system, this paper puts forward some suggestions for the development of alternative data in China, such as strengthening the top-level design, paying attention to privacy protection, clarifying collection principles and methods, and forming a multi-party governance pattern.
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(1)数据来源于2021年1月25日中国人民银行“数字支持保市场主体”系列新闻发布会。
(2)数据来源于中国人民银行副行长陈雨露在第三届进博会主题论坛上的讲话。
(3)数据来源于百行征信有限公司2021年度工作会议。
基本信息:
中图分类号:F837.12;F832.4
引用信息:
[1]尚博文.美国征信替代数据的应用与启示[J].征信,2021,39(10):59-65.
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