相较英美等国家成熟的征信体系,以“大数据”为主要特征的“中国式”个人征信还在入口处寻找着下一片蓝海。8家个人征信准牌照商的“运筹帷幄,先发制人”的态势,以及其他业界“大咖”的虎视眈眈,无疑都使得征信体系向市场化方向迈出重要一步。而对于两家有意往征信蓝海中“跳跃”的边缘人,他们也在当下的“征信时局”中静观其变。大 Compared with the mature credit investigation system in Britain, the United States and other countries, the “Chinese-style” personal credit card whose main feature is “big data” still looks for the next blue ocean at the entrance. Undoubtedly, the “credit card preemptive” posture of 8 individual credit card licensees as well as the eyeballs of other industries such as “big coffee” undoubtedly made the credit information collection system an important step toward marketization. As for the two marginalized people who are willing to sign letters of credit in the Blue Ocean, they also wait and see in the current situation of “credit history.” Big