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回归本源模式创新科技监管：数字金融呈现三大特点

回归本源模式创新科技监管：数字金融呈现三大特点
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如何将替代数据纳入征信监管?

　　英国征信机构广泛采集银行账户及收支信息，电信、零售、保险、租房等领域的履约信息，收入信息，上网行为信息、欺诈预警信息等行为信息，法律判决、破产、债务重组、减免债务命令等司法行政信息用于判断信息主体的信用状况。　　日本征信机构通过会员机构采集交易信息和分期履约信息。韩国征信机构则采集了欠税信息、工资社保费拖欠信息、零售及租赁等领域交易违约信息、法律判决、破产信息等替代数据。　　（二）使用替代数据的中国实践：　　首先，金融机构已在授信业务中广泛应用替代数据。近年来，中国各类金融机构在享受人民银行征信中心提供的传统征信服务的同时，还将替代数据或基于替代数据的信用评分、信用画像等应用到对信息主体的综合信用评价，力求全面客观地反映信息主体的信用状况。大型银行�

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综述：中国紧锣密鼓推进绿色金融银行高层警示过快过急引发风险

综述：中国紧锣密鼓推进绿色金融银行高层警示过快过急引发风险
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经济复苏、防范热钱!周小川、美国财长等重磅发声

经济复苏、防范热钱!周小川、美国财长等重磅发声
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央行政策研究：对大型互联网平台监管的当务之急是实现穿透性监管_国内财经_财经_中金在线

央行政策研究：对大型互联网平台监管的当务之急是实现穿透性监管_国内财经_财经_中金在线
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