Challenge and countermeasure of big data credit reporting in China

Youyuan LI; Gang KOU

doi:10.11959/j.issn.2096-0271.2017004

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Challenge and countermeasure of big data credit reporting in China

TOPIC:BIG DATA AND CREDIT SCORING SYSTEM | 更新时间：2024-06-03

- Challenge and countermeasure of big data credit reporting in China
- Big data research Vol. 3, Issue 1, Pages: 2017004(2017)
- 作者机构：
  
  1. 西南财经大学金融创新期刊，四川成都 611130
  2. 西南财经大学大数据研究中心，四川成都 611130
- 作者简介：
- 基金信息：
- DOI：10.11959/j.issn.2096-0271.2017004
  CLC： F831.2
- Online First：2017-01，
  
  Published：20 January 2017
- 稿件说明：
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Youyuan LI, Gang KOU. Challenge and countermeasure of big data credit reporting in China[J]. Big data research, 2017, 3(1): 2017004.
DOI：

Youyuan LI, Gang KOU. Challenge and countermeasure of big data credit reporting in China[J]. Big data research, 2017, 3(1): 2017004. DOI： 10.11959/j.issn.2096-0271.2017004.

摘要

大数据征信能够满足缺乏或没有信贷记录人群的金融需求，是传统征信的有益补充。发展好大数据征信对于实现普惠金融，促进我国社会信用体系建设有着重要的意义。阐述了美国和我国大数据征信的发展现状，总结了大数据征信的特点，探讨了我国大数据征信存在的不足以及面临的挑战。最后提出相应的对策及建议。

Abstract

Big data credit reporting could meet the financial needs of the people who have little or no credit records

and is a useful complement to the traditional credit.The development of big data credit reporting is of great significance to the inclusive finance and the construction of social credit system in China.The current situation of big data credit reporting in the United States and China were described and the characteristics of big data credit reporting were summarized.Also

the shortcomings and challenges of big data credit reporting in China were discussed.Finally

solutions and polices were also proposed.

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Keywords

references

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