Research On The Construction Of Internet Financial Personal Credit System

After years of development,the Internet financial industry has been in the bank credit financing,monetary fund,the third party payment,P2 P financing,commodity financing,consumer finance and other fields has been widely accepted and has a significant competitive business model.The rapid development of Internet banking is based on the popularity of the Internet and the rapid development of mobile internet.At the same time,because of the development and popularization of Internet and other information technology,the emergence and development of e-commerce have changed the way of public payment and consumption to a certain extent.But the investment and financing idea,the payment idea and the consumption idea change,is inseparable from the credit investigation system construction and the consummation.Credit is the core of the Internet finance,credit is the cornerstone of Internet financial operation system,determines the major research topic of Internet banking and even the entire Internet development is the construction of Internet financial credit,thus forming a perfect Internet financial credit system.Compared with other developed countries in Europe and America,the development of credit reporting in China started late and lagged far behind.So far,it has only gone through more than 20 years of exploration.At present,China's credit system or by the people's Bank of China led credit system,including enterprise credit and personal credit information database system two,the basic personal credit system database was founded in 1999,January 2006 officially running.In 2013 the State Council issued the “credit management regulations“formally implemented,the same year the State Council also test the provinces of the construction of personal credit information service platform based on the Internet,these initiatives to promote the construction of personal credit system in our country,but not in essence completely improve China's personal credit system.Especially the construction of credit system of Internet financial person almost in a blank state,and construction of credit system of Internet financial person plays a very important position,for the entire financial industry because of this problem,we need to construct special personal credit system of Internet financial.This paper through the value analysis method,standard analysis method and comparative analysis method,starting from the connotation analysis of the financial consumer and personalcredit system point of view,a comparative analysis of the three alternative Internet consumer credit system mode,and further reveal the shortcomings of China's personal credit system of financial consumers,explore ways to better perfect personal credit system of China's Internet consumers.