金融信用信息服务发展成效和商业化挑战

Abstract:In recent years，China pay high attention to the construction of credit system and the rapid development of Fintech，which has brought the unprecedented development opportunities and new challenges，also put forward the new request for the financial credit information service. The sector of Credit information service has made rapid progress，the number of institution，scale and scope of business have substantial increased. As the core of construction of credit system start from the sector of credit and loan，though has the characteristics of government-led，gradually include relevant data information from the financial institution，Similar Financial Pattern and public information and so on，steadily expand on service network，scale and application. The construction of Credit platform and credit system have achieved initial results，the demand of personal credit market have rapid growth，the supply of basic resources increasingly diversified，but there are some serious problems in the small scale，low level of overall development of industry，incomplete information sharing，standardization of construction lag behind，uncertain regulatory institution，Legality and compliance of data collection and application.

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