作　　者： (）;

机构地区： 广东金融学院信用管理学院

出　　处： 《征信》 2019年第3期58-62,共5页

摘　　要： 当前,各种各样的个人信用评分不断推出并尝试应用于各种不同场景。我国对于个人信用评分的应用需求主要来自于社会治理、消费信贷和社会生活,分别对应诚信分、金融分和综合分。在充分考虑满足不同主体应用需求和评分数据限制的基础上,对诚信分、金融分和综合分从评分要素构成、评分方法、评分产品三个方面进行了创新设计。个人信用评分的未来发展是,社会各方共同推进个人信用信息共享机制的建立,地方政府探索建立诚信分,人民银行征信中心致力发展金融分,社会征信机构探索联合建立综合分。 At present, a variety of personal credit scoring have been introduced and applied to different scenarios. The application demand of personal credit scoring in China mainly comes from social governance,consumer credit and social life, which are corresponding to scores of good faith, scores of finance, and comprehensive scores respectively. The scores of good faith, scores of finance, and comprehensive scores are innovatively designed from such aspects as scoring element components, scoring methods and scoring products on the basis of fully considering how to meet the application needs of different subjects and the limitation of scoring data. The future development of personal credit scoring is that all social parties jointly promote the establishment of personal credit information sharing mechanism, that local governments explore the establishment of scores of good faith, that Credit Reference Center of the People’s Bank of China is committed to the development of financial scores, and that social credit reporting agencies explore the joint establishment of comprehensive scores.

关 键 词： 个人信用评分 诚信分 金融分 综合分 应用创新

领　　域： []