Analysis Of Improving The Credit System Of P2P Net Loan In China

In recent years, with the growing of Internet finance, of which the P2 P network credit for representative of the new financial way to broaden the traditional financing way, however, P2 P network credit as a new financial product has advantages and disadvantages of two aspects, on the one hand, it has a low investment threshold, wide coverage, operation is convenient, period, the characteristics of flexibility, but on the other hand, the virtual network lending way exists the phenomenon of information asymmetry, the borrower may inflate or to borrow money to invest in risky activities, secondly, lending platform on the borrower’s credit deficiency can lead to network platform with loan run so that the investors suffer losses, moreover, the current our country’s credit system is not sound and net credit loan under the background of construction of legal system is not perfect, credit reporting industry especially net loan credit reporting is faced with lagging regulation policy, credit resources integration is difficult, industry technical standards and privacy debate is still missing to be attention and needs to solve the problem. P2 P network in our country, therefore, need to seek sound Suggestions and countermeasures of credit reporting system, its significance in reducing network platform default rate on loan, for investors to create profit benefit, at the same time, also can promote the good social credit environment. This paper analyses the current situation and difficulties of P2 P network credit inquiry system in China, and then with the examples of silver from the analysis of its reference model and the analysis of the problems facing the next this paper improve the P2 P network the importance of credit inquiry system in our country, finally put forward a sound countermeasures and Suggestions of P2 P network credit credit system in our country, including the construction of local personal credit database Shared mechanism, the implementation of an integrated network credit scoring criteria, develop diversified credit mode, accelerate the construction of net loan credit reporting industry law, the above suggested countermeasures for comprehensive promote the perfection of P2 P network credit credit system in China to provide powerful guarantee, to better serve the real economy, promote the transformation of economic development under the new normal.