Author(s)

Yufei Ma, Yunrui Xu

Corresponding Author

Yunrui Xu

Abstract

The credit report is a personal “economic ID card”. With the development of digital technology, digital credit scoring is increasingly penetrating into people’s daily economic activities. Based on the 178 valid questionnaires obtained from field research in some cities and villages in Yunnan Province, this paper studies the influencing factors of the development of digital credit scoring system in Yunnan Province. The results show that the factors affecting the development of Yunnan's digital credit scoring system including: the difference between city and country, the average number of smartphones, use of digital financial services, credit awareness and the difference of gender, etc. The research is to understand the influencing factors of the development of digital credit scoring system, and on this basis, it provides empirical evidence and effective reference for accelerating the development of digital credit scoring system.

Keywords

Digital Credit Scoring System; Influencing factor; Policy Recommendations