Age of Personal Credit Score

• 作者: Jianhua(Klyment)Huang
• 来源期刊: 美中公共管理:英文版
• 学科: 经济
• 关键词: China mobile payments big data data modeling credit reporting model
• 年，卷（期）: 2020,（6）
• 页码范围: 258-264
• 页数: 7页
• 分类号: F42

摘要

With a prosperous development of e-wallet in China,people are using their phones to buy almost anything.It is in this respect that the competition between e-wallet companies is entering upon a new phase,one that relying on big data and artificial intelligence to generate more values for customers based on the large transaction data.With a study of the credit profile system developed by the central bank,these commercial firms find it hard to apply for their small and medium merchants due to lack of data source and limitation of access.Therefore,they decide to set up a personal credit score based on the transaction big data along with other dimension sources.Moreover,now the personal credit score behind the e-wallet is a proven success in various payment scenarios.In this paper,we are exploring the origins of personal credit score in China and how does the score affect people’s daily life both online and offline.