系统管理学报

系统管理学报 ›› 2026, Vol. 35 ›› Issue (4): 1029-1046.DOI: 10.3969/j.issn.2097-4558.2026.04.012

• 大数据与信息管理 • 上一篇    下一篇

大数据征信在平台授信中的信息价值——基于互联网平台的消费行为信息视角

宋科1，虞思燕2，杨雅鑫3   

  1. 1. 中国人民大学  财政金融学院，北京 100086；2. 厦门市思明区财政局，福建  厦门  361005；3. 新加坡国立大学 房地产研究院，新加坡 117602
  • 收稿日期:2024-08-15 修回日期:2025-10-26 出版日期:2026-07-28 发布日期:2026-08-04

Information Value of Big Data Credit Reporting in Platform Credit Decisions: From the Perspective of Consumption Behavior Information on Internet Platforms

Song Ke1，Yu Siyan2，Yang Yaxin3   

  1. 1. School of Finance，Renmin University of China，Beijing 100086，China；2. Xiamen Siming District Finance Bureau，Xiamen 361005，Fujian，China；3. Institute of Real Estate and Urban Studies，National University of Singapore，Singapore 117602，Singapore
  • Received:2024-08-15 Revised:2025-10-26 Online:2026-07-28 Published:2026-08-04

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摘要： 为厘清大数据征信在互联网消费信贷平台授信决策中所发挥的作用,本研究以国内某旅游类互联网消费信贷平台为样本,随机抽取约50万活跃用户数据进行实证分析。研究发现:大数据征信在互联网消费信贷平台的授信决策中具有信息价值,消费信贷申请人的消费能力、消费习惯及用户黏性均被纳入授信考量。累计消费金额越高、消费券使用越频繁、平台使用时长越久的消费者,在消费信贷授信过程中更具优势。传统征信信息与消费行为信息之间存在差异,二者在授信决策中呈现替代关系,平台使用时长、信用卡支付比重等信息对传统征信信息形成替代。从异质性特征来看,平台授信过程中不存在地域差异,同时更注重考察年轻人的传统征信纪录及平台依赖程度,而对年龄较大群体则更偏重其消费能力等信息,显示出互联网消费信贷具有普惠性。在新冠疫情冲击下,金融科技平台风控加强,降低了用户对平台依赖程度在授信决策中的权重,并在一定程度上表现出顺周期性。

关键词: 大数据征信, 授信决策, 消费行为, 传统征信, 新冠疫情

Abstract: To clarify the role of big data credit reporting in online consumer credit decisions, this paper analyzes approximately 500,000 active user records randomly sampled from a domestic tourism-related internet consumer credit platform. The findings reveal that big data credit reporting provides significant informational value in credit-granting decisions. Applicants’ consumption capacity, consumption habits, and user engagement are incorporated into credit reporting. Consumers with higher cumulative spending, more frequent use of consumption vouchers, and longer platform engagement enjoy a relative advantage in the credit-granting process. Traditional credit information and consumption behavior information differ and exhibit a substitution relationship in credit decisions, with platform usage duration and credit card payment ratios serve as substitutes for traditional credit information. Heterogeneity analysis shows no regional discrimination in platform credit-granting decisions. The platform places greater emphasis on the traditional credit profile and platform dependency of younger consumers, while prioritizing consumption capacity in assessing older consumers. This suggests that internet consumer credit exhibits inclusive characteristics. Under the impact of the COVID-19 pandemic, fintech platforms strengthened risk management, reducing the weight of platform dependence in credit decisions and displaying a certain degree of procyclicality.

Key words: big data credit reporting, credit decision, consumption behavior, traditional credit reporting, COVID-19 pandemic

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