What are the problems faced by the traditional credit model

Dispersion of credit data

B. Low incentive to transmit data

C. Untimely updating

D. High access threshold

At present, the traditional credit model is mainly based on the establishment of a centralized database system and a membership-based model*** to enjoy the data. On the one hand, member organizations need to contribute data, on the other hand, only members can access the data through the traditional credit model, which is mainly based on the establishment of a centralized database system and the membership model***. It seems that the traditional model is very beautiful, but in fact, it is also facing a lot of problems.