Study On The Sharing Of The Supervision Legal System Of Internet Financial Credit Information

In November 2013,the Third Plenum of 18 th CPC Central Committee is held, putting forward to develop inclusive finance, encouraging financial innovation of the financial model.With the development of electronic commerce, the P2 P net loan,third-party payment platform, mobile phone bank loan,and congregation raised pattern,which represented the Internet finance began to appear.In fact, credit is the core of the development of Internet finance.China's Internet finance gave birth to an increasingly rich and diversified credit demand in the rapid development.However,the information sharing of Internet financial enterprises and the people's Bank of China has not been fully realized.The absence of law and the existence of regulatory blind spots, leading to the difficulty of the Internet financial credit information standards,the information sharing in the process of consumers of personal privacy is difficult to protect, different Internet companies would not like to share the information and it is difficult to achieve dishonesty disciplinary measures to the dishonesty companies and consumers.This has seriously hindered the development of Internet finance,which is based on credit,and the resulting potential risks and regulatory issues should not be ignored.The Internet financial credit information sharing system, will effectively crack the problem of Internet banking credit information, effectively reduce the adverse selection and moral hazard caused by the asymmetric information, and crack the financing problems of small and micro enterprises.Therefore, based on the transaction cost theory, asymmetric information theory and game theory, this paper studies the legislation and practice of Internet financial information sharing in China, combined with China's actual situation, through improving the standard of Internet financial credit, strengthening the protection of private rights and the implementation of Internet financial credit information in order to promote the development of Internet finance in China.This paper is divided into four parts except the introduction and conclusion:The first part is the general theory of the legal system of the supervision of the Internet financial information sharing.This part makes an over view of the Internet financial information sharing,explains the content of Internet finance and Internet financial information sharing, and summarizes the characteristics of the two.The second part describes the theoretical basis and practical significance of Internet financial information sharing in China.On the basis of transaction cost theory,asymmetric information theory and game theory, this paper expounds the legal system of China's Internet financial credit information sharing supervision to reduce the bad debt ratio and financial risk,reduce the information asymmetry, improve credit transactions and crack the important significance of small and micro enterprises financing difficulties.The third part is to investigate and summarize the current situation and existing problems of Internet financial information sharing supervision system in our country.This part describes the current situation and problems of the legal system of Internet financial information sharing supervision in our country in three aspects.Such as the Internet financial credit information sharing standards, credit information sharing privacy protection and credit information sharing in disciplinary.The fourth part, based on the above, combined with the reality of China's Internet finance development, proposed the path of improving the legal system of Internet financial information sharing supervision.The specific measures include: to improve our country's Internet financial credit information sharing system; to improve China's Internet financial credit information sharing privacy protection system; strengthen the Internet financial information sharing credit information sharing.