The Construction Of China's Credit System In The Internet Era

Since the 1990 s,the rise of Internet t echnology represented by mobile In terne t,online paym ent and so on has been deepl y changi ng the shape of the human society,and the traditional financi al system as well.I n the process of promoting the suppl y si de structural refor m,the emerging financial system repre sented by Int ernet financia l plays a m ore and more important part in Chi na's reform and development.In the tide of “Int ernet +”,as a result of the shift of acquaintances' society to s trangers ' society,a perfe ct social cre dit syst em 's influence on the economic and social development is particular important.Credi t has become an important measure to rec ogniz e,prevent,control and resolve risks in the Internet era.C ompared with the developed countries,the soci al credit system construction in China is st ill at the early stage,there are sti ll many ga ps i n areas such as mechanism construction,technology development,and indus try developm ent.This paper will base on the perspect ive of the Internet,and give an analys is of basic skills of modern credit construction such as large data,cl oud computing,Internet+ and s o on.In addit ion of that,it will also draw lessons from the United States,Europe,Japan,South Korea and other developed count ries cre dit system construction m ode and prac tices,and analyze the present s ituation of Chi na's credit sys tem construction and the exist ing problems.And policy sugge stions wil l be put forward on how to build up a cre dit sys tem in China combini ng the devel opment model with Chinese characte risti cs in the Internet era.There are si x chapt ers in this paper.The first chapter is an introduct ion,and it will illustrate the thesis' s research background,purpose,impl ications,li terat ure review,resea rch idea and structure,innovations and limitations.The s econd chapter is about t he Int ernet age's impact on credi t investiga tion syst em from the aspec ts ofInternet 's development and status quo,the modes of Int ernet finance and indust ry development,and overview of Internet+ big data cre dit investigation sys tem.An overall analys is was t aken on the differences bet ween Internet credit and traditional ways.The next chapter is an analys is of t he st atus quo of Chi na's cre dit investi gat ion sys tem and it will focus on the background and necess ity under the Internet age.This c hapter will al so focus on the status quo and existing problems of Chi na's Internet credit investigation system.The fourth chapter is about the international experience on credit invest igat ion system development under the Internet age,whi ch takes America,Europe Union,Japan,Korea and India as examples.W hat is more,this chapter will introduce the market and government l ed,industry-share d as well as mi xed devel opment-or iented cre dit investigation system development mode and give some enlightenments t hrough compared analysi s.The fifth chapter is som e i nnovati ve strategies and proposal s of China's credit investi gat ion sys tem under the Int ernet age.The i nnovati ve strategies and proposal s will be proposed on to build an information s tandardization system,to strengthen the regulation of In terne t credit indust ry and information securi t y under big data and to improve the social security syst em considering our nat ional condition and other countries advanced experiences.The final chapter is a conclusion.