我国互联网金融模式下的征信体系建设研究

Study on China's Credit Reporting System Construction in the Context of Internet Financial Mode

对我国在互联网金融模式下,以人民银行金融信用信息基础数据库为主导,市场化征信机构为补充的多元化征信格局进行梳理,分析互联网征信业具备的优势和劣势,剖析宏观和微观层面制约互联网征信发展的瓶颈问题,探讨符合国情的互联网征信体系模式,提出构建互联网征信体系的对策建议。

The paper sums up the di,cersified credit reporting pattern dominated by financial credit information fundamental data base of the People＇ s Bank of China and complemented by market-oriented credit reporting agencies in the context of Internet financial mode, analyzes the advantages and disadvantages of the Internet credit reporting business, discusses the bottleneck problem for restricting Internet credit reporting development on the macro and micro levels, and presents some countermeasures and suggestions for the construction of lnternet credit reporting system which is suitable to China＇ s domestic features.