The Logic,Dilemma and Prospect of Constructing Credit Evaluation Mechanism for Digital Personal Bankruptcy
Based on the real needs of the implementation of the personal bankruptcy system in the digital era,the reform requirements of digital justice for the handling of bankruptcy cases,and the risk of credit invisibility in the digital society,the construction of a digital personal bankruptcy credit evaluation mechanism has become an important element to support the establishment and implementation of the personal bankruptcy system.While the digital personal bankruptcy credit evaluation mechanism framed by the three-dimensional structure of"data-algorithm-platform"can be implemented through the collection of credit data,algorithmic credit profiling,and the application of platform connectivity,it is also confronted with the unjust foresight caused by the data silos,the credibility crisis triggered by the algorithmic black box,and the application dilemma arising from the weakness of the platform.In response to the above issues,the next phase can achieve credit data sharing through cooperative governance,enhance the credibility of credit evaluation by relying on credible algorithms,and provide perfect rules to promote the construction of bankruptcy platforms,so as to drive the digitised personal bankruptcy credit evaluation mechanism to better and more powerfully empower the construction of the social credit system and personal bankruptcy system.
personal bankruptcycredit evaluationdigitisationcredit datadigital justice
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