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Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective

Author

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  • Ying Zhang
  • Zhen Xie
  • Xiuwei Qu
  • Gengxin Sun

Abstract

The purpose of this interdisciplinary study is to investigate the applications of modern computational technologies in the field of credit investigation and discuss the related legal governance measurements in order to unblock the bottlenecks in the future development of credit investigation market. By analyzing the computational technologies and algorithms most commonly used in credit data collection and data storage, data transmission and data access, data analysis and processing, data calculation, result output and effect evaluation, this paper summarizes and proposes a unified general process of modern credit investigation, pointing out that in this general process, low data quality, privacy violation, algorithmic bias are the main challenges in the big data era, and countermeasures like data quality control, privacy protection, and algorithm governance need to be to be taken seriously into account in order to further explore the great potential of the credit investigation under the legal framework.

Suggested Citation

  • Ying Zhang & Zhen Xie & Xiuwei Qu & Gengxin Sun, 2022. "Application and Legal Governance of Computational Technologies in Credit Investigation: An Interdisciplinary Perspective," Discrete Dynamics in Nature and Society, Hindawi, vol. 2022, pages 1-15, July.
    • Handle: RePEc:hin:jnddns:6278317
    DOI: 10.1155/2022/6278317
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