Research On The Supervision Of Personal Credit Investigation Organization On The Internet

The People's Bank of China issued a notice in 2015,that the private organization can establish personal credit investigation organization.this type of personal credit investigation organizations are called internet personal credit investigation organizations,due to contact with the internet.but it is different from traditional personal credit because of new feature.the new feature include that the credit investigation organizations collect information widely and covertly,process informationin time,use information more diverse.at same time,it also arise some problems,such as confusion of market access,the collected information is related to personal privacy,collect information without personal consent,etc.this paperdiscuss the supervision on the personal credit investigation after the internet credit investigation appeared.This paper mainly discusses two issues about the supervision of internet personal credit investigation organizations.they are supervision mode of internet personal credit investigation organizations,the regulation of internet personal credit investigation organizations.there are three points of view in the article before we discuss supervision.the first,internet personal credit belongs to the scope of personal credit;the second,the characteristics of internet personal credit are basis of our discussion,we have to take into account it when we put forward opinions;the third,we should create a relaxed environment for internet personal credit.The article is divided into four chapters.the first chapter mainly introduces the basic theory of internet personal credit investigation,include the concept of internet personal credit,state the characteristics of the internet personal credit.at the same time,this paper points out the problems existing in the development of internet personal credit.The second chapter focuses on the internet personal credit supervision model.The supervision model includes two aspects,who isregulator and how to set regulatory rules.This paper analysis the personal credit investigation in EU and US,I think that we should adopt the mode of centralized supervision after compared the supervision model between EU and US and China.Of course,this conclusion take into the credit model,the characteristics of personal credit investigation organizations,and the supervision act in personal credit investigation.The third chapter analyzed status of personal credit investigation,and point out the market access rules are strict in China after compared with the United States and the European Union.market access rules are not enough for internet personal credit,because regulatorsare out of control in collect information,save information,use information when internet credit investigation appeared.So,I think the strict system is necessary for internet personal credit investigation,because the strict system can protect information safely.I also think that internet personal credit investigation not only need strict market access,but also strict system for information use.The most important thing is to regulate their behavior.The authortakeinformationcollection for an example,and state how to regulate the behavior of informationcollection for internet personal credit investigation organizations.The fourth chapter is a summary,explains the author's views.the first,we should adopt the mode of centralized supervision;the second,the regulator should focus on the internet personal credit investigation how to use information,not only the market access,behavioral regulation more meaningful.