信用数据监管：构建中国包容可持续的金融体系-英-63页_808kb

The paper examines the evolution of China's credit reporting system, highlighting challenges from digital transformation and FinTech. It proposes strategies like differentiated licensing and international cooperation.

China's regulatory approach involves the central CRC, but faces issues with alternative data, customer protection, and BigTech dominance.

Key recommendations include establishing a multtier license framework, clarifying duties in data sharing, and learning from global models like Open Banking to enhance competition and inclusivity.

These reforms aim to balance innovation with regulatory compliance, promoting sustainable financial growth.