摘要
互联网金融、云计算、区块链和人工智能等数据化技术的迅速发展,对征信系统的建设提出了挑战,同时也为征信系统数据化转型提供了契机。分析征信系统数据化转型面临的挑战及其在征信政策、数字化技术和征信系统数据互联互通等方面的发展契机,探索征信系统数据化转型的路径,包括把握好技术创新驱动作用、加强数据管理系统建设和努力构建统一征信共享平台等措施。
The rapid development of data technologies such as internet finance,cloud computing,blockchain, and artificial intelligence,etc.has posed challenges for the construction of credit reporting system as well as providing an opportunity for its data transformation.By analyzing the challenges facing the data transformation of credit reporting system and its development opportunities in credit reporting policies,digital technology,and the data interconnection,etc.,this article explores the paths of data transformation for credit reporting system and puts forward measures,such as grasping the driving role of technological innovation,strengthening the construction of data management system,and constructing a unified credit data sharing platform.
作者
王便芳
周燕
Wang Bianfang;Zhou Yan(School of Economics and Management,Zhengzhou University of Light Industry,Zhengzhou 450002,Henan Province,China)
出处
《征信》
北大核心
2019年第8期21-25,共5页
Credit Reference
关键词
征信系统
数据化转型
数字化技术
征信共享平台
credit reporting system
data transformation
data technology
credit data sharing platform
