个人征信持牌机构入局可信数据空间建设 钱塘征信“先行先试”

Core Insights - Qiantang Credit has recently become a licensed personal credit institution in Zhejiang, aiming to create a trustworthy data space for individuals by integrating public and commercial data [1][2] - The initiative is part of Zhejiang's exploration of a "personal credit economy," which seeks to enhance the value of personal credit through effective management tools [1] - The chairman of Qiantang Credit emphasizes that the personal credit economy will help individuals realize "credit as an asset," fostering a sustainable economic ecosystem [1] Group 1: Company Developments - Qiantang Credit has been authorized as a public data operator in Zhejiang, marking a significant step in the establishment of a personal credit management system [1] - The company plans to implement its services in various sectors, including credit services and flexible employment, by reducing information asymmetry and transaction costs [1][2] - Qiantang Credit has integrated nearly 100 compliant commercial data sources, showcasing a new path for the fusion of public and commercial data in the credit sector [2] Group 2: Industry Context - The model being developed by Qiantang Credit bears similarities to South Korea's MyData service, which empowers individuals to manage and share their data [2][3] - MyData has successfully attracted over 50 million subscribers in South Korea, generating significant revenue and fostering a data-driven ecosystem [2] - Experts suggest that China's higher level of digital governance and public data infrastructure, combined with a larger user base, presents a substantial market demand for personal credit management services [3]