Research Under Big Data Background About Credit Supervision Of Market Subjects

With the guidance of "easy enrollment" as a wind vane,the commercial registration system reform has brought an explosion of the number of market subjects.It causes a great challenge to supervision and afterwards supervision.Under the multiple problems and contradictions such as weakness of supervision strengths and heavy supervision task,credit supervision with modern information technology of big data can improve the supervision accuracy,depth and level.It brings healthy and regulated supervisory effects,providing a strong service and guarantee to the development of market subjects.At present,most of the big data researches remain in the fields of technology,internet,finance,media and other industries which have very large data scale.Credit supervision with big data over market subjects remains in direction guiding and exploring.No integrated theoretical or practical framework has been formed yet.This thesis tries to start with the credit supervision system of Yinzhou District of Ningbo and the current mode of consolidated credit supervision in Wanda Business District.It analyzes the basic conditions which the present market subject supervision already has from four aspects: credit platform construction,credit information data,multi-department linkage and credit-related mechanism.It analyzes from the view of data the obstacles and difficulties in using big data during credit supervision: credit investigation,credit evaluation and credit application.It deeply analyzes the main causes including incomplete legal system,lagging ideas and undeveloped technology of big data,lack of top-level design of credit information platform,inadequate joint credit rewards and punishments and lack of credit environment and credit market.Learning from the advanced experiences of credit supervision modes and big data application of foreign countries and based on big data thinking and technical standpoint,this thesis puts forwards some suggestions and solutions to the problems in five aspects: improving supervision system,ramming data foundation,speeding up the platform construction,perfecting the credit rating and credit using mechanism and strengthening the other-self-restrain.It explores a practical and efficient market subject credit supervision system which meets the demands of the time in order to form a shared governance pattern by governmental departments,market subjects,industry associations,social organizations and all the citizens.