关于建立我国互联网金融消费者征信投诉路径和机制的研究

Study on the Establishment of China's Internet Finance Consumers' Credit Reporting Complaint Paths and Mechanisms

当前,互联网金融业背景下的征信投诉业务暴露出处理投诉途径狭窄、成本过高、流程不透明等问题,金融消费者难以通过现行投诉机制和渠道进行征信维权,引起社会舆论的广泛关注。要更好地维护金融消费者权益,应当借鉴国外个人征信投诉业务的经验做法,并结合我国实际,探索构建我国互联网金融消费者征信投诉路径和机制,从而促进征信和金融市场的健康发展。

Currently,the credit reporting complaint businesses against the background of internet finance expose the problems of narrow path,high cost,and lack of transparency in complaint handling.It is hard for internet finance consumers to seek protection of their rights through existing complaint mechanisms and channels,which has caused the wide attention of the public.In order to better protect the rights of internet finance consumers,it is necessary to learn from the experience of foreign consumers’credit reporting complaint businesses and explore China’s internet finance consumers’credit reporting complaint paths and mechanisms in light of China’s actuality,thus promoting the sound development of credit reporting industry and the financial market.