征信视角下替代数据的采集与应用


来源:中国产业经济股票配资 网   时间:2020-05-26





  引言


五家渠炒股配资XIANDAIZHENGXINTIXISHIXIANDAIJINRONGTIXIDEJISHI,SHISHISHIHUOBIZHENGCE、JINXINGHONGGUANSHENSHENGUANLIDEJICHU,YESHIBAOCHIJINRONGWENDINGHEFANGKONGJINRONGFENGXIANDEQIANTITIAOJIAN。YIGEGUOJIARUGUOJUYOUWANSHANDEXIANDAIZHENGXINTIXI,JIUBIAOZHIZHEGAIGUOSHICHANGJINGJIHEXIANDAISHEHUIZHILITIXIYIJINGZOUXIANGCHENGSHU。


  MUQIAN,WOGUOXINGCHENGLE“ZHENGFU+SHICHANG”SHUANGLUNQUDONGDEZHENGXINFAZHANMOSHI,ZHENGXINTIXIJIANSHEZHUBUWANSHAN。


  ZHENGXINXITONGDUIQUANGUOFANWEINEICHIPAIJINRONGJIGOUDEYEWUQUANFUGAI,JIEZHI2019NIANDILEIJISHOULULE10.2YIZIRANREN、1268WANHUQIYEHEQITAZUZHIDEYOUGUAN股票配资 ,GERENHEQIYEXINYONGBAOGAORIJUNCHAXUNLIANGFENBIEDA657WANCIHE30WANCI,GUANGFANYINGYONGYUJINRONGJIGOUDEDAIQIANSHENPI、FENGXIANDINGJIAHEDAIHOUFENGXIANGUANLIDENGHUANJIE。


  SHIJIEYINXING《2020NIANYINGSHANGHUANJINGBAOGAO》XIANSHI,WOGUOYILIANXUDI4NIANHUODEXINYONG股票配资 ZHISHUMANFEN,LINGXIANYUBUFENFADAGUOJIA。GAIZHIBIAOFANYINGLECONGGONGGONGHUOSIRENZHENGXINJIGOUHUOQU股票配资 DENANYICHENGDUYIJISUOHUO股票配资 DEFANWEIHEZHILIANG。


五家渠炒股配资  RANER,JUBUWANQUANGUJI,WOGUO“ZHENGXINBAIHU”QUNTIRENGGAODA4YIDUOREN。GAIQUNTIWEICENGYUYINXINGDENGJINRONGJIGOUFASHENGGUOXINDAIGUANXI,XINDAIZHUANGKUANGKONGBAI,YINXINGWUFAYICIPANDUANSHOUXINYUFOU,RUDADUOXIAOWEIQIYE、NONGMIN、GANGBIYEDEDAXUESHENGHEDISHOURURENQUNDENGPUHUIQUNTI,YIN股票配资 BUDUICHENGNANYIXIANGSHOUZHENGCHANGDEJINRONGFUWU。JIYUSHANGSHUXIANSHI,SHIJIANZHEMENPOQIEXUNQIUKUODA股票配资 CAIJIFANWEI、JIANSHAO股票配资 BUDUICHENGDEKEXINGXING。


  RULIYONGALIBABAQIXIAMAYIJINFUPINGTAISHANGJILEIDEDALIANGWANGLUOYONGHUHESHANGHUSHUJU,BAOKUOJIAOYISHUJU、DISANFANGZHIFU、XINYONGKAHAIKUANYIJIWULIU股票配资 DENGZHONGYAOSHUJU,HAIYOUYONGHUZIZHUSHANGCHUANDESHUJUJIHEZUOHUOBANHUILIUSHUJUDENG,YIKAOZHEIXIESHUJUKEHUACHUGERENXINYONGZHUANGKUANG。ZAICAIJIXINDAI股票配资 JICHUSHANG,FUZHIYINENGFANYINGZHAIWURENCHANGZHAINENGLIYUYIYUANDEQITASHUJU(JI“TIDAISHUJU”),NENGKUODAZHENGXINFUWUFANWEI,TIGAOFUWUSHUIPINGYUNENGLI。


  征信领域的替代数据 


(一)替代数据的定义


五家渠炒股配资  TIDAISHUJU(AlternativeData),YEJIAOFEICHUANTONG股票配资 (Non-traditionalInformation),YOUMEIGUOZUIZAOTICHUBINGKAISHIJINXINGSHICHANGYINGYONG。MEIGUOZHENGFUWENZEJU(UnitedStatesGovernmentAccountabilityOffice)ZAIBAOGAOZHONG①JIANGQIDINGYIWEI“XINYONGBAOGAOJIGOUSHIYONGDE,YONGYUJISUANXINYONGFENSHUDEFEICHUANTONG股票配资 ”。YICIWEILI,WOMENKEYICONGYIXIASANGEWEIDULAILIJIEQIHANYI:


五家渠炒股配资  (1)TIDAISHUJUDESHIYONGZHE——XINYONGBAOGAOJIGOU。


  (2)TIDAISHUJUDESHIYONGMUDE——YONGYUJISUANXINYONGPINGFEN。


  (3)TIDAISHUJUDEFANWEI——XIANGDUIYUCHUANTONGSHUJUERYAN,GENGJIAGUANGFANERBUJUXIANYUJINRONGLEI。YOUCIKEYIKANCHU,TIDAISHUJUYUCHUANTONGSHUJUJUYOUXIANGTONGDESHIYONGZHEHESHIYONGMUDE,QUBIEZAIYUQIANZHEDEFANWEIGENGGUANG,TUPOLECHUANTONGDEJINRONGLEISHUJUJIEXIAN。


五家渠炒股配资  SHISHISHANG,TIDAISHUJUZHENGSHIZUOWEICHUANTONGSHUJUDEBUCHONGERCUNZAIDE。


五家渠炒股配资  ZONGSHANGSUOSHU,JIEHEWOGUOSHIJI,WOMENRENWEI,TIDAISHUJUSHIZHIYOUZHENGXINJIGOUHESHUJUFUWUJIGOUDENGSHOUJIBINGJINXINGJIAGONGZHENGLIDE、YONGYUFANGDAIJIGOUSHOUXINJUECEDE、ZAICHUANTONGDEJIEDAI股票配资 CAIJIFANWEIZHIWAIDEQITA股票配资 。


  (二)替代数据的采集范围


五家渠炒股配资  MUQIAN,YOUYUGEGUOJINGJIJINRONGHUANJINGCUNZAICHAYI,TONGLEI股票配资 DECAIJINANYIDU、YONGYUXINDAIJUECEDEJIAZHIBUYI,YINCITIDAISHUJUDECAIJIFANWEIHENEIRONGCUNZAICHAYI。YIBANLAISHUO,TIDAISHUJUJUBEIYIXIA8LEIXINGZHI(JIANBIAO1)ZHIYI:


五家渠炒股配资  YISHIYUXUYAODINGQIFUKUANDEFEIDAIKUANCHANPINXIANGGUANDEFUKUANSHUJU,RUDIANXIN、ZUJIN、BAOXIANHUOGONGYONGSHIYEJIAOFEI;


五家渠炒股配资  ERSHIZHANGHUJIAOYIHEXIANJINLIULIANGSHUJUYIJIYOUGUANXIAOFEIZHEZICHANDE股票配资 ;


  SANSHIYUXIAOFEIZHEWENDINGXINGYOUGUANDESHUJU,RUZHIYE、ZHUZHIDENGGENGHUANPINLV;


五家渠炒股配资  SISHIXIAOFEIZHEJICHU股票配资 ,RUJIAOYUCHENGDU、GONGZUOGANGWEIDENG;WUSHIXIAOFEIZHEZIZHI股票配资 ;LIUSHIXIAOFEIZHEXINGWEI股票配资 ,RUWANGLUOJIAOHUXINGWEI;QISHIXIAOFEIZHEJIAOWANG股票配资 ;BASHIQITAXIANGGUAN股票配资 。


五家渠炒股配资  BIAO1TIDAISHUJUCAIJIFANWEI


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  MUQIANDUITIDAISHUJUDECAIJIFANWEIYUNEIRONGSHANGWEIMINGQUETONGYI,GEDIGENJUSHIJICAIJI。


  (三)替代数据与传统数据等的区别与黄金配资


  1.TIDAISHUJUYUCHUANTONGSHUJUDEQUBIEYU黄金配资 CHUANTONGSHUJU:


  SHIZHIGELEIFANGDAIJIGOUDENGYINJIEDAIYEWUCHANSHENGDEXINYONG股票配资 ,FANYINGZHAIWURENDEFUZHAIZHUANGKUANGYULISHIHAIKUANXINGWEI,HANGAILEYIN、ZHENG、BAODENGJINRONGJIGOU,XIAOEDAIKUAN、RONGZIZULINDENGLEIJINRONGJIGOU,YIJISUIZHEHULIANWANGJINRONGFAZHANXINGQIDEHULIANWANGJINRONGJIGOU,ZHEIXIESHUJUGUIFANXINGQIANG、TEZHENGMINGXIAN、KELIYONGJIAZHIGAO,SHIPANDUANSHENDAIZHEXINYONGZHUANGKUANGDEZHUYAOSHUJULAIYUAN。


五家渠炒股配资  ERTIDAISHUJUZHUYAOSHIZHIXINDAI股票配资 ZHIWAIDE、YOUZHUYUFANGDAIJIGOUPANDUANSHENDAIZHECHANGZHAINENGLIYUYIYUANDEFUZHU股票配资 ,ZHEIXIESHUJUGUIFANXINGXIANGDUIJIAORUO,CAIJIJIAONAN,KELIYONGJIAZHIBUYI。


  RUMAYIJINFUQIXIADEHUABEICONGZHIFUBAO、TAOBAO、TIANMAO、ZHIMAXINYONGJIXIANGGUANWAIBUJIGOUDENGCAIJIGERENSHENFEN股票配资 、JIAOYIXIAOFEISHUJU、GONGSHANGJISIFASHUJUDENG,PANDUANQIHAIKUANNENGLIYUYIYUAN,FAFANGXIAOEXINYONGDAIKUAN;TONGGUOCAIJIQIYESHUIDIANQIHUAFUFEI股票配资 ,NENGLEJIEQIYERICHANGSHENGCHANJINGYINGZHUANGKUANG,FEIYONGJIAOGAODEQIYEYIBANRENWEIJUYOUJIAOHAODEZICHANYUJINGYINGZHUANGKUANG,FANGDAIJIGOUGENGQINGXIANGFANGDAI。


  YIBANLAISHUO,CHUANTONGSHUJUDEJIAZHIBITIDAISHUJUGAO,DANGJIEHELIANGZHESHI,JIAZHIZUIGAO。


  2.TIDAISHUJUYUCHENGXIN、DASHUJUDEQUBIEYU黄金配资 XINYONGYOUSHUANGZHONGHANYI:


五家渠炒股配资  YISHIYUJIEQIANHAIQIANYOUGUANDE、KEDULIANGDEJINGJIJIAOYIHUODONG,BIAOXIANWEIYIYANSHICHANGFUFANGSHIHUOQUSUOXUZIJIN,ZHEIZHONGXINYONGCHANSHENGDE股票配资 TECHENGXINYONG股票配资 。


五家渠炒股配资  ERSHIZHIRENMENZAIYANXINGSHANGXINSHOUCHENGNUO,YIBANBUSHEJIJINGJIJIAOYI,JIAZHINANYIHENGLIANG,CHANSHENGDE股票配资 TECHENGCHENGXIN股票配资 。


五家渠炒股配资  ZHENGXINCAIJIDEZHENGSHIXINYONG股票配资 ,YONGYUYUCEYIGERENZAIFEIJIFUQIEWUDIYADEJINGJIHUODONGZHONGSHIFOUSHOUYUE。ERTIDAISHUJUZUOWEIZHENGXIN股票配资 DEYIBUFEN,QIYUCHENGXINYOUQUBIE,RUDIANXINJIAOFEIHECHUANGHONGDENG,QIANZHESHUYUZHENGXINTIDAISHUJUFANCHOU,HOUZHESHUYUDAODEFANCHOU。BUFENTIDAISHUJUJUYOUXIANXIAOFEIHOUFUKUANTEZHENG,SHUYUXINYONG股票配资 。


五家渠炒股配资  DASHUJUSHIZHILIYONGHULIANWANGJISHU,JIANGFENSANGECHUDESHUJUSHOUJIHUIJUQILAI,XINGCHENGHAILIANGSHUJU,BINGFUWUYUTEDINGRENQUN,ERZHENGXINCAIJIZUNXUNDESHI“ZUIDI、SHIYONG”YUANZE,WUYICAIJI股票配资 ZHUTISUOYOU股票配资 。LIYONGDASHUJUJISHUDECHUDESHISHUJUDEXIANGGUANGUANXI,ERTIDAISHUJUQIANGDIAODESHIYUHETONG、QIYUEYOUGUANDEYINGUOGUANXI。


  我国替代数据采集与应用情况


(一)征信系统替代数据采集情况


  MUQIAN,ZHENGXINXITONGCAIJIDETIDAISHUJUZHUYAOYOUSANLEI:


五家渠炒股配资  YISHILVXINGXIANGGUANYIWUDE股票配资 ,BAOKUOSHEHUIBAOXIANCANBAOJIAOFEI股票配资 、ZHUFANGGONGJIJINJIAOCUN股票配资 、CHELIANGDIYAJIAOYI股票配资 DENG;


五家渠炒股配资  ERSHIHOUFUFEIDEFEIJINRONGFUZHAI股票配资 ,ZHUYAOYOUDIANXINDENGGONGYONGSHIYEJIAOFEI股票配资 ;


五家渠炒股配资  SANSHIGONGGONGBUMENDEXIANGGUAN股票配资 ,BAOKUOHUODEZIZHI股票配资 、XINGZHENGCHUFAYUXUKE股票配资 、HUODEJIANGLI股票配资 、ZHIYEZIGE股票配资 、FAYUANPANJUEHEZHIXING股票配资 、QIANSHUI股票配资 、DIBAOJIUZHU股票配资 DENG。JUTONGJI,JIEZHI2019NIAN1JIDUMO,ZHENGXINXITONGGONGJIERUFEIJINRONGJIGOU800DUOJIA,SHOULUDEDIANXINJIAOFEIHEQIANFEI股票配资 4000DUOTIAO,QIYESHUIFEIJIAONA股票配资 1WANDUOTIAO,QIYEYONGDIAN股票配资 1000YUTIAO。JIN2018NIAN,QUANNIANGONGCAIJI9.54YITIAOFEIJINRONG股票配资 ,TONGBIZENGZHANG16.8%。


  YIZHENGXINXITONGCAIJIZHEJIANGSHENGTIDAISHUJUWEILI(RUTU1SUOSHI),ZHONGGUORENMINYINXINGZHENGXINZHONGXINYUZHEJIANGSHENGDIANXIN、ZHUFANGGONGJIJINDENGBUMENJIANLIZONGDUIZONGBAOSONGJIZHI,TONGSHICAIJISHEBAO、RONGZIXINGDANBAODENG股票配资 。


五家渠炒股配资  JIEZHI2019NIAN8YUEMO,ZHENGXINXITONGCAIJIZHEJIANGSHENGDIANXIN、SHEBAODENG股票配资 GONG2147.17WANTIAO,YU5.57YITIAOXINDAI股票配资 ZHANGHUSHUXIANGBI,ZHANQUANBUSHUJULIANGDE3.85%。ZAIZHEIXIETIDAISHUJUZHONG,ZHANBIZUIDADESHIGONGJIJINZHANGHU股票配资 ,ZHANBIWEI41.21%,QICIWEISHEBAOHERONGZIXINGDANBAO股票配资 ,DIANXINZHANGHU股票配资 ZHANBIZUISHAO,ZAI1%YIXIA。


  (二)征信机构替代数据采集情况


  JIEZHI2019NIANDI,WOGUOGONGYOUQIYEZHENGXINJIGOU128JIA,GERENZHENGXINJIGOU1JIA,DUITUIDONGZHENGXINSHUJU、CHANPINHEFUWUZAIJINRONGJISHEHUIZHILILINGYUDEGUANGFANYINGYONGQIDAOLEJIDADECUJINZUOYONG,YUZHENGXINXITONGXINGCHENGYOUYIHUBU。


五家渠炒股配资  YIZHEJIANGSHENGWEILI,MUQIANGONGYOUYIBEIANQIYEZHENGXINJIGOU6JIA,ZAICAIJITIDAISHUJUYIHUANJIEYIN、QI股票配资 BUDUICHENG,FUWUXIAOWEIHEMINYINGQIYERONGZIFAZHANFANGMIAN,JINXINGLEYOUYIDETANSUOCHANGSHI。


  RUYIWUZHONGGUOXIAOSHANGPINCHENGZHENGXINYOUXIANGONGSIYUZHENGFUBUMENJISHIYEDANWEIJIANLIHEZUO,CAIJIJIN50WANGESHICHANGZHUTIDEXINYONG股票配资 9945WANYUTIAO,LEIJICHAXUN17.9WANCI;HANGZHOUYOUSHUJINRONG股票配资 FUWUYOUXIANGONGSIJIANSHEDE“LVDAITONG”PINGTAISHISHICAIJIZHEJIANGSHENGDASHUJUGUANLIJU、HUZHOUSHIDASHUJUZHONGXINJIYOUSHUJINFUBUFENQIYESHUJU,SHIXIAN“YIZHANSHI”CHAXUN,YINXINGZHICHIXIAOWEIQIYEXIAOLVDAFUTISHENG,MUQIANYILEIJIBANGZHU8494JIAXIAOWEIQIYEHUODERONGZI728.8YIYUAN;ZHEJIANGHUIXINKEJIYOUXIANGONGSIJIANSHEDE“XINYONGBAO”PINGTAIJIYUGONGSHANGJIQITABUMENSHUJU,JINGZHUNSHAIXUANCHUKEFUCHIDUIXIANGTUIJIANJIYINXING,MUQIANYIDUIJIE38JIAJINRONGJIGOU,CUCHENGRONGZI64.6YIYUAN。


  (三)地方征信平台替代数据采集情况


  MUQIAN,DUODIJIANSHEYOUQUYUXINGDEDIFANGZHENGXINPINGTAI,CAIJIGONGXIANGZHENGFUBUMEN、GONGYONGSHIYEDANWEIZHANGWODEXIAOWEIQIYEZHUCEDENGJI股票配资 、ZIZHIXUKE股票配资 、XINGZHENGSIFACHUFA股票配资 、SHUIDIANQIHUADENGGONGYONGSHIYEJIAOFEI股票配资 DENGTIDAISHUJU,HUANJIEJINRONGFUWUZHONGDE股票配资 BUDUICHENGWENTI。


五家渠炒股配资  YIZHEJIANGSHENGQIYEXINYONG股票配资 FUWUPINGTAIWEILI,PINGTAIYUSHENG、SHISHUJUZIYUANJUGOUTONGXIEDIAO,SHIXIANLEYANZHONGWEIFASHIXINQIYEMINGDAN、SHENGHUANBAOTINGCHUFAHESHENGJIKEJIXINGZHONGXIAOQIYE股票配资 DENG股票配资 DESHISHIJIEKOULIANJICHAXUN,BINGJIANG股票配资 ZHENGHETIGONGJIJINRONGJIGOUCHAXUN。JIEZHI2019NIAN9YUEMO,PINGTAILEIJICAIJIGONGSHANG、SHUIWU、DIANLIDENG11GEBUMEN224.8WANHUQIYEGONG1.5YITIAO股票配资 ,YIZAIQUANSHENGBAOKUOGONG、NONG、ZHONG、JIANDENG22JIAJINRONGJIGOUJINXINGSHIYONG,LEIJIKAITONGYONGHUJIN1WANGE,CHAXUN73WANYUCI。


  (四)数据服务机构替代数据采集情况


五家渠炒股配资  MUQIANSHICHANGSHANGCUNZAIJIAODUOSHUJUFUWUJIGOU,SHUJUFUWUJIGOUSHIWEIBEIANDE、CONGSHISHUJUSHOUJIBINGDUIWAITIGONGYOUCHANGFUWUDEJIGOU。SHUJUFUWUSHICHANGDESHUJULAIYUANGUANGFAN,BUFENSHIKEKAO、YIZHIDESHUJUYUAN,BUFENLAIZIYUWANGLUOPAQU、WAJUEDEDAODEHUISESHUJU,SHUJUZHILIANGBUYI,KENENGHUIZAOCHENGSHICHANGZHENGXINLUANXIANG,JI股票配资 ZHUTIQUANYIZAOCHENGSUNHAI。


五家渠炒股配资  YIZHEJIANGSHENGWEILI,JUDIAOYAN,MUQIANSHENGNEIYOU23JIAJINRONGJIGOUYINGYONGDISANFANG(ZHENGXINXITONGCHUWAI)DESHUJUCHANPINHEFUWU,SHEJIHEZUODESHUJUFUWUJIGOU23JIA,ZHEI23JIASHUJUFUWUJIGOUZHONGGONGYOU18JIATIGONGGERENSHUJUFUWU。


  CONGFUWULEIXINGLAIKAN,SHUJUFUWUJIGOUXIANGJINRONGJIGOUTIGONGDESHUJUFUWUZHUYAOKEFENWEI4LEI:YISHIGONGGONG股票配资 CHAXUN,ZHUYAOBAOKUOQIYESHESU股票配资 、GERENSHEBAO股票配资 HEGONGJIJIN股票配资 ;ERSHI股票配资 股票配资 CHAXUN,BAOKUODIYA股票配资 HECHAFENG股票配资 ;SANSHIGERENSHENFENHEYANFUWU,WEIGERENXINGMING、SHENFENZHENGHESHOUJIHAOSANYAOSUHEYAN;SISHIGERENQIZHA、DUOTOU股票配资 CHAXUN。


  (五)我国替代数据应用情况


  TIDAISHUJUDEYINGYONGZHUANGKUANGYINSHENDAIZHELEIXINGBUTONGYOUJIAODACHAYI。DANGFUWUDUIXIANGWEIXINDAILISHIFENGFUDESHENDAIZHESHI,RUDAZHONGXINGGUOYOUQIYEYIJIYOUFENGFUYINXINGXINDAILISHIDEGEREN,JINRONGJIGOUYIBANTONGGUOCHAYUEXINYONGBAOGAOFANGSHI,HUOQUQILISHIXINDAI股票配资 ,ZUOCHUSHOUXINJUECE。DANGFUWUDUIXIANGWEI“ZHENGXINBAIHU”QUNTISHI,JINPINGJIEXINYONGBAOGAOWUFAZUOCHUSHOUXINPANDUAN,JINRONGJIGOUWANGWANGGENJUSHENDAIZHEDEBUTONGTEDIAN,TONGGUOSHIDIKAOCHA、XIANGGUANBUMENHEZUODENGFANGSHI,YINGYONGYUZHIMIQIEXIANGGUANDETIDAI股票配资 JINXINGPANDUAN,BUTONGSHENDAIZHEWANGWANGXUYAOBUTONGLEIXINGDETIDAI股票配资 。


  DUIYUQUYU黄金配资 JINMIDESHENDAIZHE,TONGCHANGWEIDANGDIXIAOWEIMINYINGQIYE,YINXINGTONGGUOSHIDIZOUFANG、CEMIANLEJIEDENGFANGSHI,LEJIEQIYESHENGCHANJINGYINGZHUANGKUANG,ZHUYAOBAOKUOQIYEDUIZHANGDAN、HAIGUANBAOBIAO、FAPIAOKAILIQINGKUANG、股票配资 股票配资 DENG,DANGSHENDAIZHEWEIGERENSHI,HAIHUILEJIEGERENDEDUOTOUJIEDAIQINGKUANG,JUCIZUOCHUSHOUXINJUECE。


  DUIYUCUNZAIGUANLIANDEQUNTI,RUJITUANHEZUODUIXIANGDENGYIHUODEXIANGGUAN股票配资 DESHENDAIZHE,TONGGUOJITUAN股票配资 GONGXIANGLEJIEQIXIANGGUANQINGKUANG,DIANXINGDEYOUTAOBAOHETIANMAODESHANGHU,WANGSHANGYINXINGTONGGUOGONGXIANGMAYIJINFUJITUANXIAZHIFUBAO、TAOBAO、TIANMAO、ALIBABAZHONGWENZHAN/黄金配资 ZHANYIJIWAIBUJIGOUDEXIANGGUANSHUJU,BAOKUOSHANGPUXIANSHANGDECHENGJIAOLIANG、FAHUOLIANGJIXIAOSHOUSHOURUDENG,XIANXIANENGFANYINGJINGYINGZHUANGKUANGDESHUIDIANQIHUADENG,ZONGHEHENGLIANGQIHAIKUANNENGLIYUYIYUAN,YICIZUOCHUSHOUXINJUECE。DUIYUNONGHUDENGPUHUIQUNTI,ZHUYAOTONGGUOYUDANGDIZHENGFUQIANSHUHEZUOXIEYI,LEJIEXIANGGUANSHENONG股票配资 ,RUPUHUIXINYU、NONGHUSHEBAOQINGKUANG、TUDIQINGKUANGDENG。


  (六)我国替代数据采集与应用中的主要问题


  1.个人股票配资 保护立法层级低,权利救济渠道缺失


五家渠炒股配资  股票配资 BAOHUFANGMIAN,XIANGDUIQIYE股票配资 ERYAN,GEREN股票配资 JUYOUJIAOQIANGDEYINSIXINGHEMINGANXING,YINGSHOUDAOYANGEDELIFABAOHU,MUQIANWOGUOZAIGAIFANGMIANRENGYOUDAIWANSHAN。


五家渠炒股配资  YISHIXIANGGUANFAGUIXIAOLIJIAODI,WOGUOHAIMEIYOUCHUTAI《GEREN股票配资 BAOHUFA》LAIDUIGEREN股票配资 YIJIGERENJINRONG股票配资 DEYINSIQUAN、ZHIQINGQUAN、ZHIPEISHIYONGQUAN、WEIHUQUANJINXINGQUANMIANBAOHU。《ZHENGXINYEGUANLITIAOLI》SHIWOGUODANGQIANZHENGXINLINGYUDEXINGZHENGFAGUI,XIAOLICENGJIDIYUFALV。


  ERSHIXINYONG股票配资 CAICHANQUANYIWEISHOUFALVBAOHU。TIDAISHUJUZHONGBUFENWEIXINYONG股票配资 ,JUYOUYINSIQUANHECAICHANQUANSHUANGZHONGSHUXING,MUQIANWOGUOFALVZHICHENGRENXINYONG股票配资 DERENGEQUAN,RUYINSIQUAN、TONGYISHIYONGHUOYIYIGENGZHENGQUANDENG,JISHIZAOCHENGSUNHAI,YEZHINENGTONGGUOQINHAIYINSIQUANSUSONGYAOQIUPEICHANG,WEICHENGRENXINYONG股票配资 DECAICHANQUAN,RUXINYONG股票配资 BEIXIELU、DAOMAIDEJINGJIPEICHANGQUANLI。


  CIWAI,MUQIANGEREN股票配资 BUJINBAOKUOYINSIDE股票配资 ,HAIBAOKUOFEIYINSIDE股票配资 ,TONGGUOFEIYINSIDE股票配资 JINXINGSHUJUHUAXIANG,SHIFOUKEYIYAOQIUQINQUANPEICHANG,MUQIANMEIYOUGUIDING。


  2.数据服务机构大量存在,监管盲区导致征信市场乱象


五家渠炒股配资  MUQIANSHICHANGSHANGCUNZAIZHEJIAODUOCONGSHISHUJUFUWUDANYOULIYUJIANGUANZHIWAIDESHUJUFUWUJIGOU,DUIZHEIXIEJIGOUYEWUZHONGSHEJIDE股票配资 DECAIJI、ZHENGLI、BAOCUN、JIAGONGHETIGONGMEIYOUMINGQUEDEGUIDING,CUNZAIHENDADEQINHAI股票配资 ZHUTIHEFAQUANYIDEFENGXIAN。JIZHONGTIXIANZAISANGEFANGMIAN:


  YISHISHUJUDESUOYOUQUANHESHIYONGQUANWENTI。MUQIANZHIDUSHANGDUIYUSHUJUDESUOYOUQUANHESHIYONGQUANMEIYOUQINGXIDEJIEDING,BUFENJIGOUZAIYUSHUJUYUANJINXINGHEZUODEGUOCHENGZHONGHUOQUSHUJUBINGDUIWAITIGONGFUWU,QIHEFAXINGYOUDAISHANGQUE。


五家渠炒股配资  ERSHIWANGDAISHUJUDECAIJIWENTI。MUQIAN,SHICHANGSHANGBUFENWANGDAIJIGOUYOULIYUJIANGUANZHIWAI,YOUQISHIP2PDENGWANGDAIPINGTAI,BENSHENDEHEFAXINGNANYIBAOZHENG,CONGZHEIXIEJIGOUCAIJISHUJUDEHEFAXINGYEXIANGYINGDIWUFABAOZHENG。


  SANSHIGERENXINGWEISHUJUDECAIJIWENTI。BUFENJIGOUTONGGUOPAQU、GENZONG、DINGWEIDENGJISHUSHOUDUAN,HUOQUDALIANGDEGERENXIANSHANGXINGWEISHUJU,TONGGUOJIANMOZHAOCHUBUTONGFENGXIANCHENGDUDEGERENXINGWEITEZHENG,BINGDUIWAITIGONGFUWU,ZAICIGUOCHENGZHONG,GERENXINGWEISHUJUSHIFOUSHEJIGERENYINSI,JISHUSHOUDUANHUOQUDESHUJUSHIFOUSHUYUYIFAGONGKAIHUOZIYUANGONGKAIDESHUJUJUNWUFAQUEDING,BIJIAODIANXINGDERUQIZHAFANGMIANDESHUJUFUWU。MUQIANWOGUOSHANGWEIYOUMINGQUEDEJIANGUANBUMENDUICILEIJIGOUSHISHIJIANGUAN,ZHISHICILEIJIGOUYOULIYUJIANGUANZHIWAI,YOUQISHIZHEIXIEJIGOUDEYEWUCAOZUOSHIFOUHEFAHEGUI、SHIFOUQINHAI股票配资 ZHUTIHEFAQUANYIBINGBUMINGQUE。


  3.数据采集标准尚未建立,数据质量难以把控


  MUQIAN,WOGUOTIDAISHUJUSHANGWEIJIANLITONGYIDESHUJUCAIJIHECHULIBIAOZHUN,DUISHUJUCAIJIDEBIANJIESHANGWEILIQING,QIEZAIJICHUHUANJIEHUIJINGCHANGCHUXIANSHUJULURUCUOWU、股票配资 QUESHI、RONGYUZHONGFU、股票配资 ZHUTIBUMINGDENGWENTI,SHUJUZHILIANGNANYIBAKONG。


五家渠炒股配资  CIWAI,WOGUOSHUJUGONGXIANGJIZHISHANGWEIJIANLI,SHUJUCAIJICHANGJINGGELIEDAOZHI股票配资 GUDAOXIANXIANGYANZHONG。BIRU,SHUI、DIAN、MEI、NASHUI、SHEBAO、GONGJIJINDENGSHEHUIGONGGONG股票配资 ZHUYAOJIZHONGZAIXINGZHENGBUMENJIGONGGONGSHIYEDANWEI,CAIJINANDUJIAODA;ALI、TENGXUN、JINGDONGDENGHULIANWANGJUTOUCHANSHENGDEDALIANGTIDAISHUJU,YINJIANGQIZUOWEIHEXINZICHAN,GONGXIANGJIAONAN。TONGSHI,YOUYUQUEFAZHUANYEDESHUJUTIGONGSHANGHUOJIAOYIPINGTAI,CONGWANGLUOPAQUSHUJUCHENGWEIHUOQUSHUJUYUANDEZHONGYAOTUJING,SHUJUCHENGSUIPIANZHUANGTAIQIENANYIBAOZHENGSHUJUDELIANXUXING。


  相关建议 


(一)加强立法,完善股票配资 主体权益保护机制


  JIAQIANGLIFA,SHI股票配资 ZHUTIQUANYIBAOHUYOUFAKEYI,WANSHANQUANYIBAOHUJIZHI。


  YISHIJIAKUAIJICHUXINGFALVHEXINGZHENGFAGUIDELIFAJINCHENG,ZHIDING《GEREN股票配资 BAOHUFA》DENGZUOWEISHANGWEIFA,TIGAO股票配资 ZHUTIQUANYIBAOHUDELIFACENGJI,MINGQUEGEREN股票配资 SUOYOUQUANYIJIZHUANRANGFANWEI。


  ERSHIJIANYICONGFALVCENGMIANCHENGRENXINYONG股票配资 DECAICHANQUANYI,JIGUIDINGGERENXINYONG股票配资 DEWEIHUQUANNENG,DANG股票配资 ZHUTIXIANGGUANQUANYIBEIQINFANSHI,KEYIYAOQIUTINGZHIQINHAIBINGPEICHANGSUNSHI。CICHUZHIMINSHIPEICHANG,ERBUJINSHIDUIQINQUANZHEJINXINGFAKUANHUOYAOQIUQICHENGDANXINGSHIZEREN。


五家渠炒股配资  SANSHIWANSHAN《ZHENGXINYEGUANLITIAOLI》,NARUGERENFEIXINYONG股票配资 CAIJIYUSHIYONGGUIFAN,TONGSHIBAOZHANG股票配资 KAIFANGGONGXIANGYUGERENQUANLIBAOHUDEPINGHENG,TEBIESHIKAOLVHULIANWANGJINRONGJI股票配资 JISHUBEIJINGXIADEGERENFEIXINYONG股票配资 BAOHUYUXUQIUDEKEKUOZHANXING。SISHIJIANLIGEREN股票配资 HULIANWANGCAIJISHOUQUANZHIDU,MINGQUEHULIANWANGGEPINGTAIDUIGEREN股票配资 DECAIJIFANWEI,XIANGXILIEJUJUTISHOUQUANSHIXIANG,BAOZHANGYONGHUDEZHIQINGQUANHEXUANZEQUAN,FANGZHIGEREN股票配资 BEIGUODUCAIJI,BIMIAN股票配资 BUDANGSHIYONGHUOWEIJINGSHOUQUANTIGONGJIDISANFANG。


  (二)搭建分类监管、行业自律相结合的协调机制


  ZHENDUIYOUYUSHUJUFUWUSHANGDECUNZAIERCHUXIANDEJIANGUANQUEWEIWENTI,YINGZAILIFABAOZHANGDEJICHUSHANG,JIANLIDUOBUMENXIETONGJIANGUANTIXI,SHULIQUANCHANYELIANDEJIANGUANLINIAN,ZHENGHEJIANGUANZIYUAN,DUI股票配资 DECAIJI、ZHENGLI、JIAGONG、SHIYONGDENGGEGEHUANJIEJINXINGQUANLIUCHENGJIANGUAN,QIANGHUAHEGUIJIANGUANSHENTOULI,JIADAWEIGUICHENGJIELIDU,QUANFANGWEIJIAQIANGDUI股票配资 ZHUTIQUANYIDEBAOHU。


五家渠炒股配资  YISHIANZHAOXINGWEIJIANGUANLINIAN,JIANLIRENMINYINXING、GONGXINBU、GONGANBUDENGDUOBUMENDEXIETONGJIANGUANTIXI,MINGQUEBUMENJIANGUANZHONGDIAN,TUIDONGJIANLIXIETONGJIANGUANJIZHI,TIGAOJIANGUANDEZHENDUIXINGHEYOUXIAOXING,MIBUJIANGUANJIAOCHAYUKONGBAIDEBUZU,YANBAZHENGXINJIGOUSHICHANGZHUNRU,JIADADUIFEIFACAIJI、XIELU、MAIMAIGEREN股票配资 DEWENZEHECHUFALIDU。


  ERSHICHONGFENFAHUIXINGYEXIEHUIDEXIEDIAOGOUTONGZUOYONG,KAIZHANNEIBUANQUANRENZHENGHEXINGYEZILVJIZHIJIANSHE,JIANLI股票配资 CAIJIJIGOUNEIBUDEJIUFENCHULIJIZHI,WANSHAN股票配资 YIYICHULIJIEJUEJIZHI,TONGSHIQUEBAOZIDONGHUACHULIJISHUZAIFANGFA、LIUCHENGDENGFANGMIANGONGKAITOUMING,BAOZHANG股票配资 ZHUTIXIANGYOUCHAXUNSHUJUQUANYUYIYISHENGMINGQUANDENG。


  (三)明确替代数据采集与应用标准


五家渠炒股配资  TIDAISHUJUYINGYONGZHONGDEGUANJIANZAIYUMINGQUENAXIESHUJUJUYOUYUCEJIEKUANZHEWEILAIHAIKUANNENGLIJIYIYUANDENENGLI。MEIGUOZHENGZHIJINGJIYANJIULISHIHUIJIYUSHIJIANTICHULEHENGLIANGTIDAISHUJUSHIYONGJIAZHIDE“3C”BIAOZHUN,BAOKUO股票配资 DEXINYONGXINGZHI(Credit-like)、FUGAIDU(Coverage)HEJIZHONGDU(Concentration)。


五家渠炒股配资  TIDAISHUJURUHECAIJIYINGYONGRENGZAIJIJIMOSUOZHONG,CAIJIBIAOZHUNBUYI,YINCI,JIYUQIANWENFENXI,JIEHEWOGUOSHIJIJINGYAN,BENWENRENWEIZAIZONGHEKAOLV“3C”BIAOZHUNDEJICHUSHANG,GENJUBUTONGLEIXINGTIDAISHUJUNEIHANXINYONGJIAZHIDEBUTONG,ZHIDINGSHUJUCAIJIYINGYONGBIAOZHUN。


  ZHIDINGSHUJUCAIJIYOUXIANJI,ZHONGDIANCAIJIDIYICENGJIHEDIERCENGJISHUJU。


  YISHICAIJIYOUZHOUQIXINGZHIFUTEXING、CAIQUXIANFUWUHOUFUFEIMOSHIDEJINRONGLEI股票配资 ,RUCAIJIZHUFANGGONGJIJINJIAOCUN、SHUIDIANQIHUADENGGONGGONGSHIYEJIAOFEI、BAOXIANZHIFU股票配资 (RUCHEXIAN、SHOUXIAN、YILIAOXIAN、JIATINGXIAN)DENG。


五家渠炒股配资  ERSHICAIJIYUJIEKUANRENCHANGZHAINENGLIYUYIYUANQIANGXIANGGUANDEQITA股票配资 ,RUSHOURU、CUNKUAN、XIAOFEI股票配资 、FAYUANPANJUEHEZHIXING股票配资 DENG。QITAZHURUZHUZHIBANQIANPINLV、WANGLUOSOUSUO、SHEJIAOHUODONGDENG股票配资 YUXINYONGGUANLIANDUBUDA,QIESHUJUNANYIHUODE、ZHILIANGNANYIBAOZHENG,KEGENJUSHIJISHUJUCAIJIZHUANGKUANGERDING。


  (四)建立共享化、标准化的采集处理模式


  TIDAISHUJUCAIJIJIAOCHUANTONGSHUJUCAIJIGENGWEIFUZA,YINGCONG股票配资 GONGXIANGJIZHIHELAIYUANQUDAOLIANGFANGMIANRUSHOU。


五家渠炒股配资  YISHILIYONGXIANYOUPINGTAIZIYUAN,JIANLIDUOPINGTAIHEZUOHUHUIGUANXI,CUJINPINGTAI股票配资 GONGXIANGHUA。


五家渠炒股配资  MUQIANDUODIZIJIANDIFANGZHENGXINPINGTAI,ZHUYAOCAIJIZHENGFUGONGKAI股票配资 DENGDIYUSHUXINGJIAOQIANGDETIDAISHUJU,XINGCHENGWANZHENGDECAIJI、ZHENGLI、BAOCUN、JIAGONGBINGTIGONGSHIYONGDEHUODONG;ZHENGXINXITONGTONGGUOYUZHENGFUXINGZHENGJIGUANHESIFAJIGUANHEZUO,SHOUJIDALIANGDEZHAIWU股票配资 HEXINGZHENGCHUFA股票配资 。YINCI,WEIBIMIAN股票配资 DEZHONGFUCAIJIYU“股票配资 GUDAO”XIANXIANG,ZAISHIDANGFANWEINEI,JIJITUIJINGEPINGTAI股票配资 GONGXIANG,KECAIQUBUCHANGJIZHISHIXINGHUHUIHEZUO。


  ERSHITUIDONGSHISHITIDAISHUJUCAIJIBIAOZHUNHUA、GUIFANHUA。


五家渠炒股配资  ZHENDUIFEIJIEGOUXINGTIDAISHUJUCHANGCHUXIANDELURUCUOWU、GESHIBUYIDENGWENTI,JIANLITONGYIDE股票配资 CAIJIYUCHULIMOSHI,QIANGHUADUISHUJUDEJIAMIYUZHUANYICHULI,JIAQIANGDUITEDINGSHENFENBIAOSHI、HULIANDUIXIANGMINGANXINGHEGUANLIANDUDENGDEYUESHU,QUEBAO股票配资 CAIJIDEHEFA、KEXUEHETONGYI,TONGSHIFANGZHIYINSHUJUCHULIZAOCHENGDEJINRONGQISHIYU股票配资 ZHUTIQUANYIQINHAI。


  (五)加强宣传教育,建立社会监督机制


  YISHIWANSHANGONGZHONGJIUJIQUDAO,CHANGTONGGONGZHONG股票配资 BAOHUJIANDU,DIAODONGGONGZHONGCANYUJIJIXING。


  ERSHIWANSHANGERENDUI股票配资 CAIJIYUSHIYONGJIGOUDETOUSUQUDAOHEJUBAOPINGTAI,YINRUZHENGXINXINGYEDIAOJIE、ZHONGCAIHEFEISUSONGJIUFENJIEJUEDENGFALVJIZHI。


  SANSHITONGGUOSIFAJIESHIHEWANSHANZHIDUDENGFANGSHI,MINGQUEGEREN股票配资 QINQUANXINGSHIHEPEICHANGZHIDU,FENGFUHECHANGTONGGEREN股票配资 BAOHUDEJIUJIQUDAO,TISHENGGONGZHONGWEIQUANNENGLI。


五家渠炒股配资  SISHIJIAQIANGXUANCHUANJIAOYU,GUANGFANLIYONGDIANSHIGUANGBO、BAOZHIDENGCHUANTONGMEIJIEYUWEIXIN、GONGZHONGHAODENGSHUZIXINMEITIDEDUOYUANHUAQUDAO,DINGQIFABUGEREN股票配资 BAOHUFENGXIANTISHIHEDIANXINGANLI,XINGCHENGQUANFANGWEI、DUOCENGCI、KUANLINGYUDEXUANCHUANHELI,JIAQIANGDUI股票配资 ZHUTIDEXUANCHUANJIAOYU,TIGAO股票配资 ZHUTIQUANYIBAOHUYISHI。


五家渠炒股配资  ZUOZHE | FEIXIANJIN WANGYU ZHUQIUQI YOUBIFU BUZE


  转自:源点credit

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