摘要
电信大数据是非常好的可替代数据源,用于消费者的信用评估。同时信用风险管理也是电信运营商日常的一个重要工作。介绍了消费者信用评分在电信信用风险管理中的应用,对电信大数据作为重要的替代数据在金融授信中的应用进行了案例分析,对国内电信大数据如何在信用风险管理中发挥作用,提出了专业的建议和展望。
Telecommunication big data is good alternative data source for credit evaluation of consumers. Meanwhile, credit risk management is a crucial task for telecommunication operators. In this work, the application of telecommunication big data in credit risk management was introduced. The application example of telecommunication big data in financial credit scenario was analyzed. Some suggestions were given about how to employ telecommunication big data to credit risk management in China.
作者
刘新海
韩涵
丁伟
王题
LIU Xinhai HAN Han DING Wei WANG Ti(Credit Reference Center, People＇s Bank of China, Beijing 100031, China Chinese Academy of Information and Communication Technology, Beijing 100191, China Network Technology Research Institute, China United Netork Communications Co., Ltd., Beijing 100048, China)
出处
《大数据》
2017年第3期94-102,共9页
Big Data Research
关键词
电信大数据
信用风险管理
信用评分
可替代数据
数据共享
telecommunication big data, credit risk management, credit scoring, alternative data, data sharing
