A Study On Network Credit Information Service

Information economics thinks the demand for credit originates from the information dissymmetry, that is to say the nature of credit question is the information question, the level of credit information service reflects the developed degree and mature of the market. The mature of the credit information service industries reflects the developed degree of credit economic, the development of the credit information service industries plays a very important role in the national credit service system. There should be a perfect, complete credit service system to sustain the country's credit economy run well. Especially at the time of Internet and e-commerce economic are flourish, in order to ensure the security of e-trade, enterprises have much stronger demand for network credit information service and network credit information service system innovation is urgently to research.This paper absorbes a large number of domestic and foreign literature, online sample investigation, choose the representative website offering credit information service to carry on positive research, adopt comparative research, comprehensive research and theoretical research combine with positive research. On the basis of the credit information industry chain of the network, study domestic and international network credit information service;compare and analyse domestic and international network credit information service management mode, characteristic and advantage of service, summarize and propose overall environment and development strategy which suit for our country network credit information service develop well, innovated puts forward the networked and integrated development model, operation mechanism of credit information service of our country, thus for our country sets up an advanced network credit information service system which taking credit information service as core factor and puts forward more meaningful development idea and settlement countermeasure.The research content of the paper mainly including following several aspects:Firstly, Choose US and Europe influential organization which provides the network credit information service to carry on case study, through the correlation literature retrieval and on-line investigation, compare and analyse those organizations main service functions, special service, management superiority, operation mode, for constructs ourcountry network credit information service system to provide the rich valuable experience.Secondly, Choose domestically famous organization which provides the network credit information service to carry on case study, analyse the main problem existing in the network credit information service of development of our country,draw the advanced development experience of service organization of credit information of the foreign network, draw the advanced development experience of the foreign network credit information service organization, mainly include management mode, management strategy, service characteristic and comparative advantage, propose the development system of network credit information service.Thirdly, the participators have asymmetry credit information in the e- market with mutual influences, effective network credit information service is the basic safeguard of e-trust. Summarize our country network credit information service content system, mainly has the information source, main content, type and so on.Fourthly, from the view of information management and economic, study the organization system, operation system and credit system of network credit information service.