征信是增强企业诚信、促进社会互信、减少经济矛盾并提高金融、商业、行政管理效率的有效手段。文章梳理了大数据给征信带来挑战，以及相互融合的原则与组织协作过程。重点是立足组织协作理论，对自主征信协作、链主约束型协作征信、多中心协作征信三种模式展开分析，发现了三种模式在组织对象、组织层级、资源约束与交流等组织机制特征，并就大数据征信协作的技术与内容提出了相应的对策。

Credit investigation is an effective means to enhance enterprise integrity, promote social mutual trust, reduce economic contradictions and improve the efficiency of finance, commerce and administration. The article combs the challenges brought by big data to credit investigation, as well as the principle of mutual integration and the process of organizational cooperation. Based on the organization cooperation theory, the focus is to analyze the three modes of independent credit investigation cooperation, chain master constraint cooperation credit investigation and multi center cooperation credit investigation, find the organizational mechanism characteristics of the three modes in organizational objects, organizational levels, resource constraints and exchanges, and put forward corresponding countermeasures for the technology and content of big data credit investigation cooperation.