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摘 要 我国征信业起步较晚，现行征信体系仍存在规模小、市场广度和深度不足、难以提供多元化的金融服务需求等诸多不足，征信市场格局的优化和转型升级具有一定的迫切性。
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当前，我国征信业的发展正面临着重大机遇。大数据时代的到来引发了社会各个领域的深刻变革，随着互联网金融的飞速发展，部分专门针对互联网信用信息的大数据征信机构已初步建立，其中基于电商平台的芝麻信用模式是最具有代表性的大数据征信运作模式之一。鉴于此，本论文以“我国大数据征信现状分析及发展对策研究”作为选题，分析发展我国大数据征信的可行性。接下来以基于电商平台的芝麻信用模式为代表，了解目前大数据征信机构的运作模式，剖析我国大数据征信行业的发展现状，挖掘出现阶段存在的问题。同时结合美国相关成功案例，为我国大数据征信行业的发展提供一些可行的建议，促进我国征信业的健康有序发展。10690
关键词：大数据征信； 芝麻信用； 发展现状； 发展对策
Abstract
In our country, credit industry got off the ground late. There are still a lot of problems in the current credit system. For example, it’s difficult to provide a wide range of financial services. Importantly, there is a growing appreciation of the need for optimizing the market structure as well as promoting the transformation and upgrading.
At present, our credit industry is facing unprecedented development opportunities. The age of big data’s arrival has led to profound changes in lots of areas of society. With the rapid development of Internet finance, some big data credit agencies which focus on the credit information on the internet have taken shape initially. Sesame credit which based on the electronic business platform is one of the most representative agencies. Therefore, the topic of my paper is the present situation and development countermeasure of Chinese big data credit agencies. At first, I will make the analysis of the feasibility of developing big data credit. Secondly, I will take sesame credit as a representative, comprehend the operation pattern of the current big data credit agencies. Thirdly, raise the questions by analyzing the big data credit agencies’ present situation. At last, I will combine with the relevant successful cases in America to put forward feasible suggestions in order to promote the healthy development of Chinese credit industry.
Key words： Big data credit； Sesame credit； Present situation；Development countermeasure
目 录
摘 要Ⅰ
AbstractⅡ
一、引言…1
㈠ 选题的目的和意义…1
㈡ 文献综述…2
二、我国发展大数据征信市场的可行性分析4
㈠ 大数据征信市场潜力巨大4
㈡ 发展大数据征信市场具有一定的政策与法规支持5
㈢ 发展大数据征信市场具有重要意义5
三、我国大数据征信市场的现状分析——以芝麻信用为例5
㈠ 芝麻信用运作模式分析 …5
㈡ 芝麻信用模式的优势分析6
㈢ 芝麻信用模式面临的挑战与存在的不足 …7
四、国外成功案例分析——以美国ZestFinance 公司为例8
㈠ ZestFinance的数据来源分析8
㈡ ZestFinance的核心竞争力分析8
㈢ ZestFinance的外部环境分析…8
㈣ 对我国大数据征信业的启示…９
五、我国大数据征信发展对策研究10
㈠ 完善征信法律法规体系，尤其注意信息主体的隐私保护…10
㈡ 建立完备的征信机构监管框架10
㈢ 推动征信机构间的信息共享，逐步接入央行征信系统10
㈣ 增强征信数据挖掘能力和信用评估模型的开发能力10