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近几年来,互联网金融开始飞速的发展,世界各地都开启了大数据时代。同时,为了适应时代发展的需求,一批专门针对网络信用信息的大数据征信机构初步的建立了起来。就我国而言,有8家个人征信机构已经起到了领头羊的作用,分别是:芝麻信用、腾讯征信、前海征信、鹏元征信、中诚信征信、中智诚征信、考拉征信、华道征信本文将以芝麻信用为例,分析芝麻信用的运作模式、特点及优势、现在存在的问题。并通过芝麻信用的征信实践对我国征信行业的发展提出了相关的建议,借芝麻信用模式进一步完善现有金融体系。
In recent years, the rapid development of Internet finance has started the era of big data all over the world. In the meantime, in order to meet the needs of the development of the times, a batch of big data credit agencies specialized for online credit information were initially established. For our country, there are eight personal credit agencies have played a leading role, namely: sesame credit, Tencent credit, the former credit, Peng Yuan credit, credit in the letter, CITIC letter , Koala credit, Hua Road Credit This article will sesame credit as an example, analysis of sesame credit mode of operation, characteristics and advantages, the current problems. Through the practice of credit investigation of sesame credit, the paper puts forward some suggestions on the development of credit information industry in our country, and further improves the existing financial system by sesame credit model.