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http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/19207
標題: | 臺灣大數據徵信的發展策略 The Strategy of Developing Big Data Credit Reference in Taiwan |
作者: | Wan-Ting Luo 羅琬婷 |
指導教授: | 洪茂蔚 |
關鍵字: | 徵信,互聯網,互聯網金融,大數據,ZestFinance,芝麻信用,5C 原則, Credit Reference,the Internet,Internet Finance,Big Data,ZestFinance,ZHIMA CREDIT,Five Cs of Credit, |
出版年 : | 2016 |
學位: | 碩士 |
摘要: | 有鑒於互聯網金融與大數據徵信的興起,本文釐清基本徵信內涵,以及互聯網金融徵信、互聯網徵信、與大數據徵信等徵信創新的定義,利用 ZestFinance 公司與阿里巴巴集團芝麻徵信的大數據徵信實踐,分析大數據徵信與傳統徵信的區別與優缺點,再藉由了解臺灣徵信產業狀況,利用信用分析的 5C 理論,探討臺灣大數據徵信的數據可能來源,最後對臺灣徵信產業的發展提出策略建議。希望能提升臺灣徵信產業,進一步促進社會經濟、信貸產業的發展。 Given the rise of internet finance and big data credit reference, this research paper clarifies the basic connotation of credit reference, and the definition of certain credit reference innovations such as internet finance credit reference, internet credit reference, and big data credit reference. Using the cases of ZestFinance and Alibaba Group, ZHIMA CREDIT this research paper analyzes the differences between big data credit reference and traditional credit reference. This paper also investigates the credit industry condition in Taiwan, and then uses the Five Cs of Credit to analyze possible data sources of big data credit reference in Taiwan. Finally, in hopes of improving the credit industry in Taiwan in order to further promote socio-economic development, this study concludes with strategic recommendations to the industry. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/19207 |
DOI: | 10.6342/NTU201600974 |
全文授權: | 未授權 |
顯示於系所單位: | 國際企業學系 |
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ntu-105-1.pdf 目前未授權公開取用 | 1.01 MB | Adobe PDF |
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