大数据信贷的“第三条道路”*

目前，我国开展大数据信贷创新业务的主体主要有两大类：互联网公司和传统商业银行。互联网公司主要依赖自身电商平台或社交平台所积累的海量数据来获取用户信息。传统商业银行则利用自有账户或政府平台开放的数据信息自行搭建大数据平台，或通过与现有电商平台进行合作获取数据。但两种模式都存在一个共同的问题——可推广性较差。本文基于对中国最大的三家互联网银行——微众银行、网商银行和新网银行的一手调研资料，探索既不依靠自有互联网商业生态系统的数据，又不完全依赖自有账户或政府平台数据，适用于中小型商业银行的大数据信贷“第三条道路”。

THE “THIRD WAY” OF BIG DATA CREDIT

There exists two major types of participants in the field of big data credit in China at present: internet companies and traditional commercial banks Internet companies obtain user information mainly based on huge amounts of data accumulated from their own e commerce platforms or social platforms Traditional commercial banks collect considerable information by building big data platform relying on their own transaction accounts or the open data from government platforms, or alternatively by cooperating with existing e commerce platforms However, there is a common problem in both patterns poor replicability Based on the first hand data analysis of the three largest Internet banks in China, WeBank, MYBank and XWBank, this paper explores the “Third Way” of big data credit suitable for plenty of small and medium sized commercial banks, which doesnt rely on its own Internet business ecosystem nor depending on data of its own accounts or government platforms