Legal Problems And Countermeasures Of The Baihang Credit Model

This paper is divided into four parts.The first part introduces the background and characteristics of Baihang Credit model,the second part describes the legal problems faced by Baihang Credit model,the third part draws on the American personal credit model,and The fourth part is the optimization and improvement of Baihang Credit model.This article runs through the four main legal issues of the Baihang Credit model,the credit range,the credit information sharing,the credit supervision,and the protection of information subject rights and interests.The first part is mainly to analyze the background and characteristics of the Baihang Credit model.Baihang Credit model is an emerging model.By analyzing its background,we can better understand the social problems it wants to solve.Through the study of publicly available materials,it is concluded that the background of the Baihang Credit model is mainly due to the large number of people in the long tail of the credit,the failure of the credit reporting agency to reach the central bank's expectations,and the Multiple borrowing chaos.By understanding the characteristics of the Baihang Credit model,we can better understand the difference between it and the traditional credit model.The main characteristics of the Baihang Credit model are obvious Internet characteristics,industry associations,different places of registration and businesss,and a wide range of sources.Based on the analysis of the background and characteristics of Baihang Credit model,this paper further discusses the legal issues of Baihang Credit model.The second part is mainly to analyze the legal issues faced by Baihang Credit model.Firstly,the current situation of the Baihang Credit model's credit range,credit data sharing,credit supervision,and the protection of subject rights and interests is described.Secondly,the definition of the scope of credit is to study the definition of the scope of credit by the assumption of the definition of scale.Regarding the data sharing of credit,it analyzes the problems existing in Baihang Credit's data sharing with internal shareholders,non-shareholder credit bureaus,public departments,and data sharing platforms.Regarding the credit supervision,it is pointed out supervision on credit out of line of credit in China under the new regulatory technical background,and analysis of the natural monopoly of the credit industry.Regarding the protection of information subject rights and interests,it points out the problems in the four main stages of information collection,information storage,information use and credit report.The third part is mainly for the reference of American personal credit model.At present,the world's three largest market-based personal credit reporting agencies are in the United States,so the US personal credit model is used as a reference.Study the scope of US credit by sorting out the US credit laws and regulations and referring to the Bureau of Consumer Financial Protection(CFPB)alternative data exposure draft.Credit data sharing focuses on analyzing US data sharing standards and further researching cross-border credit data sharing.The credit supervision mainly focuses on the US laws and regulations on credit supervision over the years and the multi-regulation structure.The protection of information subject rights and interests through the collection,use and reporting of information issued these stages,to study the protection of the rights and interests of information subjects in the United States.The fourth part is mainly to optimize and improve the Baihang Credit model.The recommendations on the definition of the scope of credit are mainly to clarify the negative list of the scope of credit and to effectively expand the substitutability data.The recommendations on credit data sharing mainly rely on the law to balance interests,unify data standards,and establish a unified data sharing platform.The recommendations on the supervision of Baihang Credit are mainly to improve the laws and regulations on credit supervision and the introduction of a regulatory sandbox system.The recommendations on the protection of information subject rights and interests is mainly to set up a special information subject rights protection institution and improve the credit protection and repair system.