Legal Regulation Of Personal Credit Investigation Market Under The Condition Of Internet

Driven by government forces, China's current initial formation of a centralbank-led basic personal credit frameworks. With the deepening of market economy development, the demand for increasing personal credit, personal credit market voice growing. Compared to the traditional personal credit, personal credit market undoubtedly involves a broader, more efficient access to information, services, features more prominent, better able to meet the growing demand for personal credit information. However, its problems such as moral hazard information, safety technology risk and legal risk can not be ignored, especially in the Internet conditions, the danger of these risks become more prominent, need to be regulated law. However, at this stage, China's personal credit on the market, especially in special conditions such as the Internet market relevant legal and regulatory norms are not in place, the Internet credit legal regulation has not attracted the attention of the relevant departments. How Personal Credit of China's Internet market under the conditions of reasonable legal regulation, for the construction of China's personal credit system has important and urgent practical significance.From the start of the origin of the personal credit information, we found that with the progress of society, the government and the market has undergone a role reversal in the Personal Credit. This leads to the development direction of China's personal credit-the market, the market of personal credit information in the Internet especially credit represented. After the detailed operation of the Internet credit mechanism, the lack of reflection in terms of regulating the market of Internet credit of. Next, the institutionalization of the interpretation of the United States, Germany, Japan, the personal credit information, combined with China's actual situation, seek credit for China's Internet market-oriented legal regulation. The thesis contents are as follows:The first part:Introduction. Background overview article, the meaning and ideas, for both domestic and foreign literature to sort out, briefly indicate the main content and innovation of the article, focused on the vital role to play.The second part:the trend with Internet personal credit information. This chapter from the origin of the personal credit information to start, introduced in the personal credit market gradually replace the government a role, and then propose a new model of personal credit market-the Internet credit.,The third part:the development of China's Internet and credit of the legal problems. This chapter introduces the three main forms of Internet credit institutions operating mechanism detailed deconstruction of credit after the Internet, information-sharing mechanism is not perfect, the subject of personal information to protect the interests of poor supervision needs to be improved.The fourth part:under conditions of foreign personal credit information of the Internet market and institutionalized. This chapter selected the United States, Germany and Japan, the three countries Personal Credit institutionalized as samples from the three countries in the personal credit bureaus legislation, detailing the experience of its success, the next step to provide reference for China's personal credit market.The fifth part:with Internet Personal Reference of legal regulations. I believe that the Internet credit should adhere to safety under the premise of value orientation, follow sharing, security, accuracy and timeliness of the principles and promote the development of China's Internet credit. On this basis, for personal credit under the standardized development of China's Internet conditions it made specific recommendations system that clarify the legal status of Internet credit bureaus, reduce personal credit bureaus market access conditions, speed up the protection of personal privacy legislation to speed up the construction of information standardization, strictly regulate Internet security prevention and control system of credit institutions, to explore the establishment of Internet credit information sharing mechanism, improve the mechanism for handling objections and strengthen the supervision of credit of the Internet.