{"id":5156,"date":"2021-03-11T17:59:22","date_gmt":"2021-03-11T09:59:22","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=5156"},"modified":"2021-03-22T14:40:22","modified_gmt":"2021-03-22T06:40:22","slug":"%e4%b8%ad%e5%b0%8f%e4%bc%81%e5%9b%b0%e5%a2%83%e8%88%87%e9%a6%99%e6%b8%af%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e6%9c%aa%e4%be%86%e7%99%bc%e5%b1%95%e4%ba%8c-%e9%a6%99%e6%b8%af%e9%87%91%e8%9e%8d","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2021\/03\/11\/%e4%b8%ad%e5%b0%8f%e4%bc%81%e5%9b%b0%e5%a2%83%e8%88%87%e9%a6%99%e6%b8%af%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e6%9c%aa%e4%be%86%e7%99%bc%e5%b1%95%e4%ba%8c-%e9%a6%99%e6%b8%af%e9%87%91%e8%9e%8d\/","title":{"rendered":"\u4e2d\u5c0f\u4f01\u56f0\u5883\u8207\u9999\u6e2f\u91d1\u878d\u79d1\u6280\u672a\u4f86\u767c\u5c55(\u4e8c): \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u4e4b\u7f8e\u597d\u9858\u666f"},"content":{"rendered":"\n<p>\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u767d\u76ae\u66f8\u201c<a href=\"https:\/\/www.hkma.gov.hk\/media\/eng\/doc\/key-functions\/financial-infrastructure\/alternative_credit_scoring.pdf\">Alternative Credit Scoring of Micro-, Small and Medium-sized Enterprises<\/a>\u201d\u5efa\u8b70\uff0c\u70ba\u89e3\u6c7a\u4e2d\u5c0f\u4f01\u8cb8\u6b3e\u554f\u984c\uff0c\u61c9\u5efa\u7acb\u7cfb\u7d71\uff0c\u6536\u96c6\u6709\u95dc\u4e2d\u5c0f\u4f01\u71df\u904b\u8207\u696d\u52d9\u7684\u6578\u64da\uff0c\u4ee5\u89e3\u6c7a\u8cc7\u8a0a\u4e0d\u5c0d\u7a31\u554f\u984c\uff0c\u9032\u800c\u589e\u52a0\u8cb8\u6b3e\u63d0\u4f9b\u8005\u7684\u8a98\u56e0\uff0c\u964d\u4f4e\u4e2d\u5c0f\u4f01\u501f\u8cb8\u9580\u6abb\u3002<\/p>\n\n\n\n<p>\u986f\u800c\u6613\u898b\uff0c\u5728\u73fe\u4eca\u6642\u4ee3\uff0cdata is 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href=\"http:\/\/news.southcn.com\/nfplus\/yyl\/content\/2020-01\/03\/content_189994351.htm\">\u64da\u7a31\u4e2d\u5c0f\u4f01\u53ea\u9700\u5341\u5206\u9418\uff0c\u4fbf\u80fd\u53d6\u5f97\u4e0a\u767e\u842c\u8cb8\u6b3e<\/a>\u3002<\/p>\n\n\n\n<p>\u5f9e\u5927\u7063\u5340\u767c\u5c55\u8da8\u52e2\u89d2\u5ea6\u770b\uff0c\u9999\u6e2f\u60e0\u53ca\u4e2d\u5c0f\u4f01\u7684\u91d1\u878d\u79d1\u6280\u50c5\u8655\u65bc\u53ea\u805e\u6a13\u68af\u97ff\u7684\u8a0e\u8ad6\u968e\u6bb5\u3002\u4e0a\u8ff0\u767d\u76ae\u66f8\u8a8d\u70ba\uff0c\u61c9\u7576\u6536\u96c6\u7684\u6578\u64da\u4e3b\u8981\u53ef\u5206\u70ba\u5169\u985e\uff0c\u4e00\u70ba\u4ea4\u6613\u6578\u64da\uff0c\u4e8c\u70ba\u975e\u4ea4\u6613\u6578\u64da\u3002\u6240\u8b02\u4ea4\u6613\u6578\u64da\uff0c\u5be6\u6307\u8207\u73fe\u91d1\u6d41\u52d5\u76f8\u95dc\u7684\u6578\u64da\uff0c\u7576\u4e2d\u5305\u62ec\u9280\u884c\u6236\u53e3\ufe51\u92b7\u552e\u7cfb\u7d71\ufe51\u4f9b\u61c9\u93c8\u7cfb\u7d71\ufe51\u4f01\u696d\u8cc7\u6e90\u898f\u5283\u7cfb\u7d71(ERP)\u6240\u5bc4\u5b58\u7684\u73fe\u91d1\u6d41\u52d5\u6578\u64da\u3002\u975e\u4ea4\u6613\u6578\u64da\uff0c\u5247\u6cdb\u6307\u6709\u52a9\u8a55\u4f30\u501f\u8cb8\u8005\u4fe1\u7528\u7684\u5404\u985e\u8cc7\u6599\uff0c\u7576\u4e2d\u5305\u62ec\u7b2c\u4e09\u65b9\u8a55\u4f30\u5831\u544a\uff0c\u500b\u4eba\u4fe1\u8cb8\u8cc7\u6599\uff0c\u5fc3\u7406\u6e2c\u9a57\u7d50\u679c\uff0c\u80fd\u5920\u986f\u793a\u501f\u8cb8\u8005\u696d\u52d9\u6210\u5c31\u4e4b\u8cc7\u6599\u3002<\/p>\n\n\n\n<p>\u767d\u76ae\u66f8\u4e2d\u9593\u90e8\u4efd\u6709\u95dc\u6a5f\u5668\u5b78\u7fd2(Machine Learning)\u7684\u5206\u6790\u8207\u5efa\u8b70\uff0c\u4fbf\u662f\u5efa\u57fa\u65bc\u6578\u64da\u6536\u96c6\u6210\u6548\u4e4b\u4e0a\u3002<\/p>\n\n\n\n<p>\u4e5f\u5728\u767d\u76ae\u66f8\u767c\u8868\u7684\u540c\u6708\uff0c\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u7e3d\u88c1\u4f59\u5049\u6587\u767c\u8868\u535a\u5ba2\u6587\u7ae0\u3008\u9999\u6e2f\u91d1\u878d\u79d1\u6280\u767c\u5c55\u4e4b\u65c5\u7684\u4e0b\u4e00\u7ad9\u3009\uff0c\u9019\u5176\u5be6\u662f\u4f59\u5049\u6587\u5728\u9999\u6e2f\u91d1\u878d\u79d1\u6280\u5468\u7684\u6f14\u8fad\u3002\u9019\u7bc7\u6f14\u8fad\u5f37\u8abf\u6578\u64da\u4e4b\u6536\u96c6\uff0c\u662f\u9999\u6e2f\u672a\u4f86\u91d1\u878d\u79d1\u6280\u767c\u5c55\u7684\u91cd\u9ede\u6240\u5728\u3002<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/insight\/2020\/11\/20201102\/\">\u4f59\u5049\u6587\u5982\u6b64\u63cf\u7e6a\u89e3\u91cb\u8cc7\u8a0a\u4e0d\u5c0d\u7a31\u554f\u984c\u7684\u672a\u4f86\u767c\u5c55\u85cd\u5716<\/a>\uff1a<\/p>\n\n\n\n<p>\uff62\u56e0\u61c9\u9999\u6e2f\u9280\u884c\u696d\u5728\u6578\u64da\u61c9\u7528\u65b9\u9762\u7684\u969c\u7919\uff0c\u6211\u5011\u5c07\u69cb\u5efa\u4e00\u9805\u65b0\u7684\u91d1\u878d\u57fa\u5efa\u8a2d\u65bd\u2014\u2014\u300e\u5546\u696d\u6578\u64da\u901a\u300f(Commercial Data Interchange)\u3002\u5efa\u7acb\u300e\u5546\u696d\u6578\u64da\u901a\u300f\u7684\u76ee\u7684\uff0c\u662f\u8b93\u6578\u64da\u6240\u6709\u8005(data owner)\u53ef\u4ee5\u6309\u5176\u610f\u9858\u5c07\u81ea\u5df1\u7684\u300e\u6578\u78bc\u8db3\u8de1\u300f\u8207\u9280\u884c\u5206\u4eab\u3002\u5c07\u4f86\uff0c\u9280\u884c\u8207\u6578\u64da\u63d0\u4f9b\u8005(data provider)\u53ea\u9808\u7d71\u4e00\u5c0d\u63a5\u300e\u5546\u696d\u6578\u64da\u901a\u300f\uff0c\u5373\u53ef\u5b89\u5168\u6709\u6548\u5730\u5171\u4eab\u6578\u64da\uff0c\u812b\u96e2\u7e41\u7463\u7684\u300c\u4e00\u5c0d\u4e00\u300d\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p>\u91d1\u878d\u6a5f\u69cb\u548c\u6578\u64da\u63d0\u4f9b\u8005\u9023\u63a5\u672c\u8eab\u7684\u7cfb\u7d71\u5230\u300c\u5546\u696d\u6578\u64da\u901a\u300d\u5f8c\uff0c\u4f01\u696d\u80fd\u6388\u6b0a\u81ea\u5df1\u7684\u670d\u52d9\u63d0\u4f9b\u8005\uff08\u5982\u516c\u7528\u4e8b\u696d\u516c\u53f8\u3001\u4ed8\u6b3e\u7cfb\u7d71\u7b49\uff09\u900f\u904e\u9019\u500b\u5e73\u53f0\u5411\u9280\u884c\u63d0\u4f9b\u6709\u95dc\u6578\u64da\u3002\u5728\u4f01\u696d\u540c\u610f\u4e0b\uff0c\u9280\u884c\u5c31\u80fd\u6709\u6548\u7387\u5730\u76f4\u63a5\u7372\u53d6\u4f01\u696d\u7684\u6578\u64da\uff0c\u5f9e\u800c\u70ba\u5ba2\u6236\u63d0\u4f9b\u6700\u9069\u5207\u7684\u670d\u52d9\uff0c\u6216\u9032\u884c\u66f4\u7cbe\u78ba\u548c\u5ba2\u89c0\u7684\u4fe1\u8cb8\u8a55\u4f30\u3002\uff63<\/p>\n\n\n\n<p>\u9019\u662f\u7f8e\u597d\u9858\u666f\uff0c\u4f46\u5728\u9999\u6e2f\u5982\u4f55\u80fd\u5920\u5be6\u73fe? 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