互联网金融背景下我国征信体系建设路径研究

Research on the Construction Path of China's Credit Investigation System under the Background of Internet Finance

我国互联网金融业的蓬勃发展催生了其多元化的发展模式。这些新兴的互联网金融模式不仅深刻影响了现有的金融市场格局,也成为不可忽视的力量。然而,相较于金融业态的改革发展,我国的征信体系存在明显不足,征信体系和互联网金融业态改革的不匹配,带来了更多的安全风险及监管问题。征信体系改革发展滞后问题亟待解决。因此,探究征信体系改革的建设路径,对于推动我国互联网金融持续、稳定化发展具有重要意义。

The vigorous development of China's internet finance industry has given rise to diverse develop-ment models.These emerging internet finance models have not only profoundly influenced the existing fi-nancial market landscape but also become a force that cannot be ignored.However,compared to the reform and development of the financial industry,there are significant deficiencies in China's credit reporting sys-tem.The mismatch between the credit reporting system and the reform of the internet finance industry has brought about more security risks and regulatory issues.The issue of lagging development in the credit in-vestigation system urgently needs to be addressed.Therefore,exploring the construction path of credit sys-tem reform is of significant importance for promoting the sustained and stable development of China's in-ternet finance.