Study On Legal Problems Of Big Data Credit

The emergence of big data credit in China is closely related to the rapid development of Internet finance and the need to establish a sound social credit system in China.As a new type of credit information model,big data credit is not only complementary to China's traditional credit information model,but also effectively avoids the potential risks of the Internet financial market.However,it is precisely because it is in the initial stage of development,so there are still many problems in China's big data credits to be solved.For example,the law on the drafting of big data needs to be improved,and the database of big data credit reporting institutions and the database of China's central bank credit reporting system should be realized as soon as possible,as well as the industry supervision of strengthening big data credit reporting.The big data credit industry in the developed countries represented by the United States has a long time to develop and the relevant legal systems are relatively mature.Therefore,it can learn from foreign useful experience when solving the legal problems of the big data credit in China.However,when learning from the useful experience of foreign countries,we can't completely copy it.We must learn from the current situation of China's big data credit industry and learn from it.Due to the advantages of Internet technology,big data credit reporting agencies are quite convenient in obtaining data information,and the cost is relatively low.Therefore,in the practice of big data crediting,there is the arbitrariness of collecting subject information,and the uncertainty of the scope of information collection can easily lead to the violation of the legal rights of the information subject.These are the legal problems faced by China's big data credit.To solve these problems,we must strengthen the legislative work and constantly establish and improve China's big data credit legal system.The advancement of Internet technology is the technical basis of China's big data credit.Therefore,Internet technology should also be used in the supervision of big data credits,because the traditional credit supervision method cannot effectively and effectively supervise big data credits in real time.This requires the supervision of the main body to build a talent team,and the cultivation of professionals who are proficient in Internet technology is the main body of big data supervision.Issues that should be considered.