T/MSITISA 03-001.03-2021 Active Group standards

T/MSITISA 03-001.03-2021 Big data credit rating, credit evaluation model and applications

Publish Date: 2021-11-09 Implement Date: 2021-12-01 For services related to genuine standard inquiry, procurement, translation, and other related services in China, please Contact Us

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Basic Information

Standard Code: T/MSITISA 03-001.03-2021

Standard Type: Group standards

Standard Status: Active

is_force_gb: no

CCS Name: -

ICS Name: Integrated Information Technology (IT)

Publish Date: 2021-11-09

Implement Date: 2021-12-01

Scope

Main technical content: To upgrade and improve traditional credit investigation methods in the context of big data, credit investigation departments should not only consider the basic information, billing information, financial information, and overdue records of individuals and enterprises provided by financial institutions and government agencies, but also introduce cross-media credit investigation data such as Internet behavioral trajectory records, social and customer evaluations, and information from other channels into the credit investigation process. The Zhongguancun Sifang Modern Service Industry Technology Innovation Strategic Alliance integrates credit data from different companies through the Big Data Credit Investigation Intelligent Evaluation and Service Open Platform, aiming to build a big data credit investigation platform that is both innovative and of great experimental value. Among them, how to integrate various data of credit investigation objects, design novel and effective credit evaluation models, analyze the credit situation of credit investigation objects, and evaluate the default and fraud risks of credit investigation objects are indispensable important components. This standard evaluates the processes to be carried out, the architectures to be improved, and the standards to be met in building credit evaluation models in the context of big data from multiple perspectives such as laws and regulations and industry norms. This standard mainly includes the following aspects: terms and definitions; design of credit evaluation models; management of credit evaluation model disclosure; and supervision of credit evaluation models.