Research On The Financial Credit Investigation For Internet Financial In China

Following the agricultural age, the industrial age, the information age, the mobile Internet promoting another huge transformation in human society. The influence of Internet has changed the life and consumption habits of countless people, which take root in many seemingly unrelated industries, overthrow the industry internal genes and patterns.In the period of 2013 to 2014-- a Internet financial hot time, Yu Ebao converges private capitals which drawn little attention from traditional financial institutions, and make a money fund stood out from the crowd; Then, Tencent, Baidu, Sina have engaged in the financial field; P2 P companies and the raise websites also bloom at a amazing rate. Meanwhile, in contrast to the reform and the development of financial formats, China’s credit system has been lagged behind, resulting from which the potential risks and regulatory problems needs more attention. The frequent collapse of private credit companies exposed the deficiencies in construction of Internet financial credit and supervision system, which brings adversely affects on the development of Internet finance, establishing an Internet financial credit system has becoming a pressing matter at the moment. This paper presented with the emphasis on the topic of how to find the integration of the development of internet finance and the credit industry, came up with the argument that the Internet financial credit being based on the credit system of the central bank(Financial Credit Information Foundation Database), and established some related suggestions on how to regulate and promote the development of Internet financial credit reporting industry on a healthy track.The paper has eight parts: The first part is the introduction, mainly introduces the research background, the research significance, the research methods, and the train of thoughts; The second part is the presentation of related conceptions and the current development of the Internet finance and credit; The third part is the analysis of forefront credit practice in domestic internet enterprises, with contrastive analysis from Jingdong, Taobao.com, Pat Loan, etc.; The fourth part is the analysis from both macroscope and microscope on the existing problems of Internet financial credit system in China; The fifth part draw lessons from foreign experience of Internet financial credit system construction; The sixth part is the key point of this paper, elaborates the principles of the construction of China’s Internet financial reportingsystems, the credit mode selection, and the system construction: firstly present the construction principles, then the basic framework and analysis mode, and than the construction mode, finally analysis the encounter problems; The seventh part presents the possible countermeasures and suggestions to establish the credit system construction in China under the Internet financial circumstance; The eighth part is the conclusion.