中国的贷款机构可以跨过目前成熟市场所使用的信贷系统,以另一种更有效的方式向消费者提供信贷服务。新一代的授信方法会对数万个数据点进行分析,以有效评估个人信用度。基于大数据的授信体系将纳入传统授信体系所无法考虑到的信息。通过使用这些更为先进的信用模型,中国的企业正迈出超越成熟信贷市场的第一步,这将推动中国消费性开支的增长。 China’s lenders can cross credit to credit systems currently used in established markets to provide consumers with credit services in a more efficient way. A new generation of credit methods analyzes tens of thousands of data points to effectively assess personal creditworthiness. Big data-based credit system will be included in the traditional credit system can not be considered information. By using these more advanced credit models, Chinese companies are taking the first step beyond mature credit markets, which will drive the growth of consumer spending in China.