信贷数据宝

信贷数据宝是温州首批公共数据授权运营场景，主要应用于金融机构信贷业务的贷前(贷款申请)、贷中(贷款审批)、贷后(检测跟踪)三个重要环节。在获得个人/企业数据合规授权后，在公共数据授权域中进行生产加工，输出数据产品给金融机构使用。同时利用区块链、云凭证等相关大数据技术，将关键过程记录下来生成个人资产云凭证作为证据上链到温州政务区块链进行存证。

Credit Data Bao is among the first batch of authorized public data operation scenarios in Wenzhou. It is mainly applied in three key stages of credit business for financial institutions: pre-loan (loan application), in-loan (loan approval) and post-loan (detection and tracking). After obtaining compliant authorization for personal or enterprise data, it conducts production and processing within the authorized public data domain, and outputs data products for use by financial institutions. Meanwhile, leveraging big data technologies such as blockchain and cloud credentials, it records key processes to generate personal asset cloud credentials, which are anchored to the Wenzhou Government Affairs Blockchain as evidence for data preservation.

搜集汇总

背景与挑战

背景概述

信贷数据宝是温州首批公共数据授权运营场景，应用于金融机构信贷业务的贷前、贷中、贷后环节，通过合规授权和区块链技术确保数据安全和使用合规。