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彭蕾:信用是个复杂的社会命题
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Topic: 彭蕾:信用是个复杂的社会命题 (Read 206 times)
Shirleey
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彭蕾:信用是个复杂的社会命题
April 23, 2017, 03:07:44 AM
#1
新浪科技讯 4月22日下午消息,蚂蚁金服董事长彭蕾出席了第20届哈佛中国论坛,论坛上她发出了这样的感慨,“对信用体系,我们思考越深,越觉得超出我们的能力边界,我们的信用团队,需要去找人类学家、社会学家、心理学家,当然,金融经济的专家也需要”。
信用体系建设在今天的中国备受各界关注,但如何衡量一个人的信用,这很可能是个颇为复杂的命题。在信用体系发展最为成熟的美国,92%的群体有自己的信用数据,由于金融体系的发达,美国的个人信用有许多都来自于他们的金融生活。但在中国,信用体系的覆盖度大约为35%,有意思的是,在中国,社会诚信体系的建设正在呈现出比美国更多元的感觉。
在哈佛论坛上,彭蕾介绍了一些来自中国的尝试:“比如我们认为在每一个需要有押金的地方,都是信用缺失的地方,租房,去图书馆借书,还有现在很火的共享单车,芝麻信用团队在尝试通过不用押金,凭借信用借还的方式,去为一个普通人积累他的信用。”
据新浪科技了解,过去几个月,芝麻信用内部一直在拓展“信用借还”的业务,起初是充电宝、雨伞、图书、移动wifi这些小物件;最近,拓展到了国内大热的共享单车,以及租房这类押金价格较高的领域。
“金融只是社会生活的一个方面,一个人在不同领域中体现出来的守信程度和行为习惯,也许能更完整的反应他的信用程度。但这件事很难,一个人会按时还书,不代表他就能按时还钱,一个人会按时还钱,也不代表他就会按时交税,遵纪守法,信用是个很宽泛,很复杂的问题。”一位业内人士分析说。
哈佛大学经济学教授,2016年诺贝尔经济学奖获得者奥利弗·哈特也表达了类似观点,他认为,信用社会其实需要了解人的行为,要了解种种细节才能用数据来分析一个人是否可信。
而这也是为什么彭蕾会认为,信用团队并不仅仅需要金融经济方面的专家。“我们内部在思考这类问题,比如一个爱闯红灯的人,跟按时不按时还款有没有关联,通过我们对各种大数据的研究,我们发现,很多看起来与信用没关系的事件之间,是存在着关联的。”
在彭蕾看来,中国正在尝试着探索和建设一个有自己特色的信用体系,虽然这并不容易,但是过程非常有意义和价值。
bsilvester1980
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Re: 彭蕾:信用是个复杂的社会命题
April 23, 2017, 03:34:25 AM
#2
每个国家的人,都有劣根性。问题是信用如何与消费捆绑。人不可能不用银行卡。也不可能不消费。只是让银行和金融机构信息共享是极其困难的。也是信用消费无法支撑的根本原因
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