摘要
共享经济下新商业模式的出现,不仅对传统商业模式的组织形态与管理模式构成了冲击,而且对个人及社会的诚信体系建设提出了全新的挑战。从共享经济下的企业角度,重点探讨共享经济下基于征信数据、流程管理、技术手段的三大类信用风险控制方法的具体应用及其优劣,并从政府、平台型企业角度提出了加强信用风险控制的政策性建议。
The emergence of new business models under the sharing economy has not only impacted the organizational forms and management models of traditional business models,but also posed new challenges to the construction of individual and societal integrity systems.From the perspective of enterprises under the sharing economy,this article mainly explores the specific application and the pros and cons of three kinds of credit risk control methods based on credit reporting data,procedure management and technological means,and puts forwards policy suggestions on strengthening credit risk control from the perspective of government and the platform-typed enterprises respectively.
作者
张浩
朱佩枫
Zhang Hao;Zhu Peifeng(College of Economics and Management,Nanjing University of Aeronautics and Astronauts,Nanjing 210016,Jiangsu,China;School of Health Economics and Management,Nanjing University of Chinese Medicine,Nanjing 210046,Jiangsu,China)
出处
《征信》
北大核心
2018年第9期8-12,共5页
Credit Reference
基金
国家社会科学基金重点项目(14AZD049)
关键词
共享经济
个人信用评分体系
流程管理
区块链
信用风险控制
the sharing economy
individual credit scoring system
procedure management
blockchain
credit risk control
