征信业适应互联网金融发展的生态对策

The Ecological Measures To Adapt To The Development Of Internet Banking

近年来,随着互联网技术的发展衍生了诸多以互联网为平台的新型金融服务模式,带来了巨大的商业机遇。但相对于金融业态的变化,我国征信系统的发展明显滞后,由此带来的风险不容忽视。频现的网络信贷公司"倒闭潮"暴露了征信业应对互联网金融发展的缺失。对此,本文结合生态学相关理论,从生态学视角分析征信业适应互联网金融发展所面临的困境以及应采取的对策。

in recent years, with the development of Internet technology, many of the new financial services platform based on the Internet has brought a huge business opportunity. However, compared with the changes in the financial format, the development of credit system in China is lagging behind, which can not be ignored. The frequent network Credit Company ＂closures＂ exposed the lack of credit industry to the financial development of the internet. In this regard, this paper, based on the theory of ecology, from the perspective of ecology, analyzes the difficulties faced by the credit industry and the countermeasures to meet the financial development of the Internet.