Chinese internet companies are battling it out tocreate credit ratings based not just on citizens’finances but also their social networks, raising fears that Big Brother could take up residencein consumers’ wallets.
中国互联网企业正在展开激烈竞争,都力图建立一个不仅依据个人财务状况、也依据他们的社交网络使用记录来打分的信用评估系统,这引起了“老大哥可能将主宰消费者钱包的担忧。
Sesame Credit and other credit rating systems are responding to a glaring need for a creditrating database in a country that has seen rapid growth in personal credit cards, mortgagesand online payments systems. About a third of Chinese own credit cards, up from 15 per centfive years ago.
中国的个人信用卡、按揭贷款和在线支付系统迅猛增长,为此迫切需要建立一个信用评估数据库,芝麻信用(Sesame Credit)等个人征信系统应运而生。目前大约三分之一的中国人拥有信用卡,5年前这个比例是15%。
Pilot programmes have drawn on users’ social networks, purchasing behaviour and even timespent on the phone as proxies for creditworthiness, spurring American Civil Liberties Unionpolicy analyst Jay Stanley to call the programme “nightmarish and warn against its adoption inthe US.
一些试运行系统把用户的社交网络、购买行为,甚至使用手机的时间长短作为信用评估指标。美国公民自由联盟(American Civil Liberties Union)的政策分析师杰伊斯坦利(Jay Stanley)称这些项目“像噩梦一般,并警告美国国内不要采用这种做法。
【中国互联网企业激战个人信用评分业务】相关文章:
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