Research On The Creditinformation System Under Thebackground Of Internet

As the first personal social credit institutions,“Sesame Credit” relying on Alipay platform has gained massive amounts of information from hundreds of millions of users(or consumers),whose credit scoring and rating standards are different from the traditional central bank credit model.“Sesame Credit” is described as a very extensive and mass try of the "personal credit scoring" in the way of exploring the Internet credit model.This paper takes the operational mode of “Sesame Credit” as an example to research the construction of credit information system under the background of Internet Finance,the specific research ideas are as follows: Firstly,this paper closely introduces the “Sesame Credit” system and its services and functions,etc.,to clarify its legal compliance,and focuses on the introduction and operation of the credit standard system,thus revealing the core legal risk,the legal response to the credit system,and the new requirements of the Internet banking credit system.Secondly,this paper discusses the current laws and regulations of credit information in our country,to clarify the protection of personal information,and the mechanism of large data credit information model and its corresponding legal risk.Again,this article elaborates the development of the credit system and its operational advantages from the perspective of the Internet financial credit in developed countries,such as the United States and Germany,and focus on its credit rating system to be discussed,so as to provide a reference and inspiration for the construction and improvement of China's(whether traditional or new)credit standards.Finally,combined with the personal credit model in our country and the advantages of credit system from foreign developed countries,this paper is aimed to further clarify the access mechanism of the credit industry,the credit rating model and the legal protection of personal privacy and so on in the background of Internet finance,in order to promote the healthy development and continuous improvement of the Internet credit industry.