摘要：

随着我国数字化转型进程的加速推进，社会信用体系的建构迎来机遇与转型。征信机构广泛采用数字技术进行数据采集、存储、运算和使用，推动了信用数据“量”的增长，但这种做法却未能跳出传统的经济分析框架，因而对信用体系的“质”的提升作用较为有限。数字经济时代信用体系建设面临一些新挑战，主要表现在数据范围应当开辟新“跑道”、抵押担保体系需要变革、线上数据可信性亟待提升三个方面。构建数字时代社会信用体系的理论内涵和实践外延，将信用范围扩展至线上、推动数据开放共享，促进数字经济与信用监管融合以及数实融合，强化算法透明度提高公平性和可信性，既可以扩大征信范围、提高征信效率，又有助于解决线上市场信任塌陷、秩序缺失等问题，从而有效提升全社会信用水平。

关键词:

数字经济, 信用体系, 数字信用, 线上数据, 制度设计

Abstract:

With the accelerated process of digital transformation in China, the construction of social credit system is presented with opportunities and transformations. Credit agencies widely employ digital technology for data collection, storage, computation, and utilization, leading to an increase in the “quantity” of credit data. However, this approach has not been able to break free from traditional economic analysis frameworks, limiting its impact on enhancing the “quality” of the credit system. The establishment of a credit system in the digital economy era faces new challenges, primarily manifested in the need to expand the scope of data, transform the mortgage guarantee system, and improve the credibility of online data. To address these challenges, it is necessary to reconstruct the theoretical foundation and practical application of the credit system, promote data openness and sharing, extend the scope of credit to online platforms, facilitate the integration of digital economy and credit regulation, merge data and reality, and enhance algorithm transparency to ensure fairness and credibility.

Key words:

digital economy,  credit system,  digital credit,  online data,  system design