A Study On The Legal System Of Internet Credit In China

Internet credit reporting generated under the background of internet,it’s a new credit reporting problem.Frequent credit crisis in the internet finance especially in p2 p has increased the demand for the internet credit reporting.Compared with the traditional credit reporting system of the central bank,the convenience, democracy and diversity that the internet credit reporting have owned greatly solved the problem of lack of credit of students,small and micro enterprises who are difficult to be covered with bank.At present, China has initially formed internet credit reporting legal framework based on the administrative regulations,departmental rules also includes local government regulations and other regulatory documents.But we should see that the internet credit reporting legal system in our country are still have many imperfections,can’t achieve the purpose of effective regulating the behavior of participants in the market and promoting the development of standardization of the internet credit reporting. Therefore, this article will start from the analysis of concept and legal relationship of the internet credit reporting,combined with the reality of internet credit reporting institutions, analyze and discuss the problems and its perfection of the internet credit reporting legal system in theory and practice.The first chapter is a basic overview of the internet credit reporting. In this chapter, the author discusses and defines the basic concepts of credit reporting and the internet credit reporting,analyzes from institutional nature, sources of information, covering groups,applications and other comparative analysis of the differences between the internet credit reporting and the traditional credit reporting system of the central bank. And graphically analyzes the legal relationship between the internet credit reporting for each subject, at the same time, the legal status and market situation of domestic and foreign internet credit reporting were carded.The second chapter chose representative body--zhima credit in the domestic internet credit reporting market as an example, the author analyzes the background of creation of zhima credit, introduces the credit evaluation model and service model of zhima credit,after the analysis of the legal characteristics of zhima credit, the author discussed information collection, credit rating, the information providing legal risks that may exist in the process of zhima credit combined with existing legislation.The third chapter combined the operation of zhima credit and discussed problems of internet credit reporting legal system in our country. Existing internet credit reporting legal system is imperfect, the legal mechanism of the internet credit reporting is notperfect,message body to protect the rights of legal face great difficulties, legal regulatory and legal liability and other issues of internet credit reporting are not comprehensive, all of these problems have restricted the standardized development of internet credit reporting.The fourth chapter refer part of successful experience from abroad and put forward the corresponding improvement ideas against the problems of Chinese internet credit reporting legal system. We should pay particular attention to balance the interests of information body and internet credit reporting institution in the process of improving the internet credit reporting legal system.We should improve internet credit reporting legal system and promote the construction of internet credit reporting standards and credit information sharing. At the same time, to amend the existing legal provisions on supervision and management and legal responsibility, to provide a favorable environment for the healthy and orderly development of the internet credit reporting.