大数据应用于信用评分模型的实践与启示

摘要

The traditional credit reference business will be changed due to big data;big data will bring the existing credit reference system with massive data sources and promote the development of inclusive finance. However, be-cause of such limiting factors as personal privacy protection, credit loan risk control, and management, etc. , how to eventually realize the perfect combination of big data technology with the credit reference business and how to influ-ence the traditional credit reference industry still need the test of time.%传统征信业务必因大数据而发生改变，大数据将为现有征信体系增加海量数据来源并推动普惠金融的发展。但是，由于存在个人隐私权保护、信贷风险控制及管理等限制因素，大数据技术最终如何实现与征信业务的完美结合以及究竟对传统征信业带来何种程度的影响，仍需要时间的检验。