互联网金融征信模式选择

Internet Financial Credit Reporting Model Selection

通过分析互联网金融征信对于互联网金融发展的必要性和重要性,提出构建央行牵头的独立、集中、统一互联网金融信用信息数据库的征信模式,实现对互联网金融信息阶段性、有序性、技术性的整合和采集,并在此基础上总结完善我国互联网金融征信的政策制度保障措施。

Based on an analysis on the necessity and importance of Internet financial credit reporting for the development of Internet finance, the paper proposes to construct a credit reporting model with an independent, concentrated, unified Internet financial credit information database led by the central bank, to achieve periodic, orderly, and technical integration and acquisition of Internet financial information, and hence summarizes the policy and institutional security measures for improving China＇ s Internet finance credit reporting.