论我国互联网征信业务发展

On the Development of Internet Credit Information System in China

当前,我国互联网征信进入快速发展时期。互联网征信具有的全新征信服务理念及先进的数据处理模式极大地推进了征信的广泛应用,促进了我国征信市场的发展。但是,由于相关制度的不完善,互联网征信面临的业务风险及其发展局限也不容忽视。因此,应注重完善互联网征信领域相关法律制度,加强信息主体权益保护,建立相应的接口规范和信息共享机制,建立专业化数据公司,提高征信机构的核心竞争力,推动我国互联网征信业务健康发展。

At present, China＇ s Internet credit information system is entering a period of rapid development. The new concept of credit reporting services and the advanced data processing model owned by Internet credit information system has greatly accelerated the wide application of credit reporting, and promoted the development of China＇ s credit reporting market. However, considering the imperfect system, we cannot ignore the risk of the business and its development limitations confronted with Internet credit information system. Therefore, it＇ s necessary to pay attention to improving legal system related to the field of Internet credit reporting, strengthen the protection of the fights and interests of information subjects, establish corresponding interface standard and information sharing mechanism, set up specialized data companies, and enhance the core competitiveness of the credit reporting agencies, so as to promote the healthy development of Internet credit information system in China.