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互联网金融的快速发展使互联网征信服务成为互联网金融贯通全脉的要穴。但是,国内征信体系的短板日益凸显,征信市场需要实现立体化、全息化,从而对人民银行征信体系形成有效补充。部分平台、机构围绕“大数据”、征信服务产品化、信用信息共享三大主线创新自身征信体系,为完善征信市场探索了可行之路。
The rapid development of Internet finance makes internet credit service a key point of Internet finance. However, the shortcomings of the domestic credit information system have become increasingly prominent, and the credit information market needs to be three-dimensional and holographic, thus effectively supplementing the credit system of the People’s Bank of China. Some of the platforms and institutions have innovated their own credit information system based on the three main lines of “big data”, credit information services, and credit information sharing, thus exploring feasible ways to improve the credit information market.