Research On The Management Of Local Credit Information Platform

Credit investigation is the basis of healthy operation of modern economy and finance,and an important guarantee to maintain social stability.At present,the processing and use of credit information has gradually become a hot topic of people’s concern and attention,and the application field of credit products is also expanding.As credit information of "carrying" and "factory," the AD platform construction of information plays a key role to break the asymmetry in the social main body and to fill in the information "gap".It is an important part of the social credit system in our country.And it has important significance to create a "faithful incentive and disciplinary" good social credit environment.Among them,due to its stronger operability and pertinence,the construction of local credit information platform has been highly concerned by local governments and has become an important breakthrough to solve the problem of "difficult and expensive financing" of small and micro enterprises.As a national pilot area for small and micro financial reform and a pilot area for the construction of credit system for small and micro enterprises,Taizhou started to build a credit information sharing platform for financial services in 2014.Taizhou has taken the leading in exploring the construction of local credit information platform,and has accumulated a lot of useful experience.Credit information platform construction is based on Taizhou financial services as the main object of analysis.This paper introduces the general situation of the platform system,the building structure,the main functions and data collection management pattern,etc.summarizes the prominent advantages of platform,and with combining the questionnaire results,puts forward the disadvantages and reasons of the platform existing in five aspects such as in the legal system,data acquisition,operating costs,security strategy and the talent cultivation.Later,by analyzing and comparing the credit system construction experiences of some typical small and micro enterprises at home and abroad,this paper summed up the main features of the three models: the market leading model,the government leading model and the membership model.It distinguished the different mode platforms in constructing intent,data collation,function design of charges and so on,and summed up the credit information platform construction that can be used to give some experience for reference.Finally,aiming at the deficiency of Taizhou financial service credit information platform,this paper puts forward five specific improvement suggestions,such as strengthening the system guarantee of platform construction,improving the effectiveness of credit information collection,exploring the mode of paid use of information,improving the design of system security technology,optimizing talent selection and training,and international cooperation.It is expected that through this research,the construction effect of Taizhou financial service credit information sharing platform will be continuously improved.Meanwhile,by sorting out and summarizing the construction and management ideas of local credit information platform,the experience of platform construction that can be copied and promoted will be provided with beneficial reference.