| This paper investigates the basic situation and the change process of credit industry,found out the difference between traditional credit industry and big data credit industry.From the perspective of big data,this paper will discuss the problems faced by China’s credit industry from the four aspects of data,society,credit institutions and systems.All the basic investigation aims to summarize the application patterns of current credit industry based on case investigation and literature analysis.This paper proposes that the application models of public credit in China can be classified from two dimensions:one dimension is the data application field,which can be divided into supervision,public and market services,and the other dimension is the data supply field,which can be divided into personal and corporate credit data.The current market credit application mode is divided into four categories,namely,the traditional market-based credit model,the traditional administrative data center model,the big data membership-based credit model,and the big data credit service model.At the end,this paper proposes solutions to meet the current expansion of the credit information market,promote the positive interaction between the traditional credit industry and the Internet credit industry,improve the quality of the credit reporting industry,reduce the related economic and human resources,and improve the level of public administration. |
