Study Of Internet Financial Personal Credit Reporting

China's Internet financial is in the forefront of the world,and all the third-party payment,P2P loans or network financing are changing people's living habits continually,meanwhile the Internet financial development has exposed credit default issues which will hinder its further development.At present,the main body of the existing personal credit reporting system is the personal credit reporting system of the People's Bank of China under the guidance of the government.The personal credit reporting system of the People's Bank is based on the traditional credit of offline banks,and Internet financial personal credit reporting mechanisms is on short.The appearance of companies like Zhima Credit which take advantage of large data have provided us a new way to solve this problem and large data processing technology is becoming more mature,so the conditions by using of large data for Internet financial personal credit reporting has been technically available.The current Zhima credit has issued Zhima credit point which reflects some Internet users' personal credit situation.In this paper,we will introduce the existing personal credit reporting system in our country after introducing theory of "information asymmetry" and "5C".After that,the article will select Zhima Credit reporting system which represents large data for case studies,and by regarding credit reporting business as a clue(including credit information collection,credit model construction,credit product development),we will analyze the advantages of Zhima Credit and discuss rationality by using market scale as index in the end of this paragraph.Then this paper will combine the American and German personal credit reporting system to study the relevant information and experience in building up personal reporting system.The corresponding suggestion will be given from the external environment of the Internet financial personal credit reporting system and the internal credit management process,and by this paper,it will provide new a new way to solve the problem of the construction of personal credit reporting system of Internet financial in our country.