中经记者 李晖 北京报道 在数据要素价值加速释放的背景下，我国个人信用行业正迎来历史性发展机遇。 二是"服务闭环"，信用服务将贯穿人生全周期——从18岁后生成首份信用报告，持续覆盖求职、租房、 购车购房、消费、信贷、保险、医疗等关键生活场景，信用服务嵌入个人发展轨迹。这一模式同样适用 于广大的小微企业和个体工商户，这类经营主体的经营风险往往与企业主个人信用高度绑定，通过构建 个人信用账户，增强发展韧性。 个人信用服务重点惠及四类人群 参考美国个人信用服务市场及韩国Mydata服务模式等国际实践，《报告》预测在"十五五"期间，我国个 人信用服务市场或可直接产生的年营收达800亿—1000亿元。 "今年央行实施一次性个人信用修复政策，支持个人高效便捷重塑信用，公众越发关注自身的个人信用 维护。我们希望能为用户提供更为丰富的全周期的信用服务。"《报告》撰写组成员、钱塘征信董事长 陈隆表示。 聚焦全周期个人信用服务 2026年被定义为"数据要素价值释放年"，以个人信用为基础的新经济形态开始显现。 《报告》的价值点之一在于对个人信用经济的界定首次破题——个人信用经济是一种"以个人信用数据 为核心生产要素，以个人为权益主 ...

2026.01. 29 本文字数：2282，阅读时长大约4分钟 作者 | 第一财经 杜川 从18岁后生成第一份信用报告，持续覆盖求职、租房、信贷、购车、购房保险等关键节点，信用服 务嵌入个人发展轨迹，陪伴个人成长，并演进为人生有价值的信用资产。 1月29日，浙江省信用中心、浙江大学经济学院、钱塘征信有限公司联合发布《个人信用经济发展报 告》（下称《报告》）。《报告》对个人信用经济的界定首次破题：个人信用经济是一种"以个人信 用数据为核心生产要素，以个人为权益主体，依托全周期信用服务产品与运营两个体系，通过合规数 据流通及多元场景落地，主要为个人、金融机构及经营主体这三类主体提供信用服务"的新兴经济形 态。在这个过程中，通过个人信用数据资产化构建"信用即资产"的价值体系。 从最初的信用记录建立，到当前的数据价值释放，我国个人信用发展的每一阶段跨越都伴随着服务主 体与市场生态的拓展。 我国个人信用行业从个人征信业起步，以信贷征信为起点。1999年，中国人民银行在上海启动个人 征信试点，标志着我国个人征信进入系统化探索阶段。经过近30年的发展，大量按时还款、履约守 信的个人和企业基于良好的信用记录获得了更加优惠、便 ...

中新网杭州1月29日电(钱晨菲)29日，浙江省信用中心、浙江大学经济学院、钱塘征信有限公司联合发 布《个人信用经济发展报告》(下称《报告》)。近年来，中国持续推进社会信用体系建设，征信业"政 府+市场"双轮驱动格局已形成，2026年被定义为"数据要素价值释放年"，以个人信用为基础的新经济形 态开始显现。 作为聚焦"个人信用经济"的首份行业专项报告，其描绘了个人信用经济这一新兴经济形态，指出在数据 要素价值加速释放的背景下，中国个人信用行业正迎来历史性发展机遇。 报告撰写组成员、浙江大学教授汪炜表示，当前个人信用的发展呈现三大趋势：一是个人信用从被动记 录走向主动管理；二是长周期的信用管理与时点性的信用消费结合；三是从惩戒为主，迈向提升激励、 教育约束和守护修复的正向循环。因此，满足百姓需求，实现个人信用在践行普惠金融、提升理性消 费、促进就业等重大民生课题的应用，是个人信用经济的核心价值所在。 浙江大学 教授汪炜解读《个人信用经济发展报告》。主办方 供图 《个人信 用经济发展报告》提出个人信用经济的理论体系。主办方 供图 数据显示，中国网约车司机、外卖配送员、家政服务人员等灵活就业群体规模已突破2亿人，这类群 ...

近年来，我国持续推进社会信用体系建设，征信业"政府+市场"双轮驱动格局业已形成，2026年被定义为"数据要素价值释放年"，以个人信用为基础的 新经济形态开始显现。 1月29日，浙江省信用中心、浙江大学经济学院、钱塘征信有限公司联合发布《个人信用经济发展报告》（下称《报告》）。作为聚焦"个人信用经 济"的首份行业专项报告，描绘了个人信用经济这一新兴经济形态，指出在数据要素价值加速释放的背景下，我国个人信用行业正迎来历史性发展机遇。 个人信用进入"自主管理"新时代 构建全周期个人信用管理服务 "今年央行实施一次性个人信用修复政策，支持个人高效便捷重塑信用，公众愈发关注自身的个人信用维护。我们也希望能为用户提供更为丰富的全周 期的信用服务。"报告撰写组成员钱塘征信董事长陈隆表示。 对此，《报告》提出构建全周期个人信用管理服务"双闭环"的新思路：一是"产品闭环"，覆盖构建信用服务全周期，包含信用守护、修复、激励、教育 与约束等多方面，避免了单一集中在事后的惩戒，实现覆盖个人信用全周期的动态管理，构建个人信用的良性循环。 二是"服务闭环"，信用服务将贯穿人生全周期，从18岁后生成首份信用报告，持续覆盖求职、租房、购车购 ...

Core Insights - The report defines personal credit economy as a new economic form centered on personal credit data, providing credit services to individuals, financial institutions, and business entities through compliant data circulation and diverse application scenarios [1][10] Group 1: Target Demographics - The personal credit economy should primarily benefit four groups: individuals in credit distress, flexible employment groups, small business operators, and "virtuous" individuals [10][15] - There are over 100 million individuals in China with a history of bad credit records, highlighting the need for innovative credit repair mechanisms [10] Group 2: Credit Service Development - The report emphasizes the importance of a full-cycle personal credit management service, which includes credit protection, repair, incentives, education, and constraints [9][14] - As of November 2025, the financial credit information database has recorded 1.16 billion individuals, with approximately 810 million having credit records [12] Group 3: Industry Evolution - The personal credit industry in China has evolved from a focus on credit reporting to a broader application of credit data, with over 700 million personal information subjects recorded by market-oriented credit agencies [13][14] - The annual revenue of the domestic personal credit service industry has exceeded 10 billion yuan, with projections suggesting it could reach 80 to 100 billion yuan during the 14th Five-Year Plan period [14] Group 4: Future Trends - The report identifies three major trends in personal credit development: a shift from passive recording to active management, integration of long-term credit management with short-term credit consumption, and a transition from punitive measures to positive reinforcement and education [14][15] - The growth of the personal credit economy is expected to lower social trust costs and enhance the visibility and respect for individual credit value, leading to improved resource allocation and social governance efficiency [15]

《报告》预测在"十五五"期间，我国个人信用服务市场或可直接产生的年营收达800亿元至1000亿元。 记者获悉，浙江已率先开启个人信用经济的探索实践，2025年10月，钱塘征信成为浙江省信用服务领域 的公共数据授权运营机构，成为全国首个省级信用领域的公共数据与商业数据融合开发利用案例。 《报告》总结称，个人信用经济的蓬勃发展，意味着一个社会信任成本持续降低、个人的信用价值被充 分看见并尊重的时代正在到来。这将进一步优化社会资源配置、提升社会治理效能、提高商业运行效 率，推动形成"信用有价值、守约有回报、社会有温度"的良性循环。 本报讯(记者李冰)1月29日，浙江省信用中心、浙江大学经济学院、钱塘征信有限公司联合发布《个人 信用经济发展报告》。作为聚焦"个人信用经济"的首份行业专项报告，描绘了个人信用经济这一新兴经 济形态，指出在数据要素价值加速释放的背景下，我国个人信用行业正迎来历史性发展机遇。《报告》 为数字经济时代个人信用产业的创新与融合发展，提出了新的理论体系和实践构想。 报告撰写组成员浙江大学教授汪炜表示，当前个人信用的发展呈现三大趋势：一是个人信用从被动记录 走向主动管理，二是长周期的信用管理与时点性 ...

1月29日金融一线消息，国内首份聚焦"个人信用经济"的行业专项报告《个人信用经济发展报告》出 炉，由浙江省信用中心、浙江大学经济学院、钱塘征信有限公司联合发布。 近年来，我国持续推进社会信用体系建设，征信业"政府+市场"双轮驱动格局业已形成，2026年被定义 为"数据要素价值释放年"，以个人信用为基础的新经济形态开始显现。当前，国内个人信用服务产业年 营收已超100亿元，参考美国个人信用服务市场及韩国Mydata服务模式等国际实践，《报告》预测在"十 五五"期间，我国个人信用服务市场或可直接产生的年营收达800-1000亿元。 "今年央行实施一次性个人信用修复政策，支持个人高效便捷重塑信用，公众愈发关注自身的个人信用 维护。我们也希望能为用户提供更为丰富的全周期的信用服务"，钱塘征信董事长陈隆表示。 浙江大学教授汪炜在解读报告时表示，当前个人信用的发展呈现三大趋势：一是个人信用从被动记录走 向主动管理，二是长周期的信用管理与时点性的信用消费结合，三是从惩戒为主，迈向提升激励、教育 约束和守护修复的正向循环。因此，满足百姓需求，实现个人信用在践行普惠金融、提升理性消费、促 进就业等重大民生课题的应用，是个人信用 ...

Core Viewpoint - The establishment of "Pujian Credit" marks the acceleration of the opening process for a new market-oriented personal credit institution in Shanghai, led by Shanghai Data Group, with significant participation from major internet companies [2]. Group 1: Market Developments - In June 2025, the Governor of the People's Bank of China announced eight policy measures to enhance the social credit system, including the establishment of personal credit institutions [2]. - The registration of the "Pujian Credit" trademark indicates the rapid progress of the fourth market-oriented personal credit institution in Shanghai [2]. - The three existing market-oriented personal credit institutions—Baihang Credit, Puda Credit, and Qiantang Credit—have collectively provided over 70 billion credit services in 2024 [2]. Group 2: Institutional Landscape - Qiantang Credit, established in November 2024, is the only personal credit institution in Zhejiang Province and has become a public data authorized operator in the region [2][3]. - Baihang Credit and Puda Credit hold dual qualifications for both personal and enterprise credit services, while Qiantang Credit currently only has personal credit service qualifications [2]. - The Shanghai Data Group, authorized by the Shanghai government, is a major player in public data operations and holds a 51% stake in Shanghai United Credit, which provides enterprise credit services [3]. Group 3: Economic Implications - The concept of personal credit economy revolves around using personal credit data to create a new economic model that benefits individuals, financial institutions, and businesses [3]. - The personal credit economy aims to allow individuals to benefit from the value of their data, promoting a sustainable economic ecosystem [3]. - The addition of personal credit business licenses by Shanghai Data Group is expected to enhance the social credit system in Shanghai [3].

Core Viewpoint - Qiantang Credit has been designated as a public data authorization operator in the credit service sector in Zhejiang Province, marking a significant step in exploring the "personal credit economy" and unlocking the value of data elements [1] Group 1: Company Overview - Qiantang Credit aims to create a digital credit profile for individuals based on user authorization, utilizing credit evaluation and reporting tools to enhance personal credit value recognition and self-management capabilities [1] - The company is positioned as a licensed personal credit institution in China, potentially serving as a replicable model for personal credit data circulation [1] Group 2: Market Context - The personal credit economy is defined as an emerging economic form centered around personal credit data, providing new credit services to individuals, financial institutions, and businesses [1] - Qiantang Credit plans to implement its services in various scenarios such as credit services, flexible employment, and grassroots governance, aiming to reduce information asymmetry and transaction costs [2] Group 3: Comparative Analysis - The model of Qiantang Credit bears similarities to South Korea's MyData service, which allows individuals to control their data and apply it across various management scenarios [2] - South Korea's MyData service has seen significant adoption, with over 50 million users and revenue reaching 2.5 trillion KRW (approximately 13 billion RMB) in 2023 [2] Group 4: Data Integration - Qiantang Credit has integrated nearly a hundred compliant commercial data sources, showcasing a new development in the fusion of public and commercial data in the data element sector [3] - The demand for personal credit management services based on public data is substantial, given the higher level of digital governance and public data infrastructure in China compared to South Korea [3]

Core Insights - Qiantang Credit has been designated as the public data authorized operator in the credit service sector in Zhejiang Province, aiming to create the first trustworthy data space for individuals in China [1][2] - The initiative represents an exploration of the "personal credit economy," which focuses on the circulation of personal credit data and aims to provide new economic services based on credit for individuals, financial institutions, and businesses [1] - The construction of the trustworthy data space will enable the creation of digital credit profiles for users, enhancing their ability to connect with financial, commercial, and social services [1] Group 1 - Qiantang Credit will implement its services in various fields such as credit services, flexible employment, and grassroots governance, aiming to reduce information asymmetry and transaction costs [2] - The integration of public and commercial data sources is expected to improve risk management capabilities for institutions and provide better opportunities and services for consumers [2] - Qiantang Credit has already connected with nearly 100 compliant commercial data sources, showcasing a new development in the fusion of public and commercial data [2]