Research On Supervision Of Internet Credit Investigation From The Perspective Of Cross-Sector Collaboration Theory

With the rise of Internet finance,Internet finance companies put forward new and higher requirements for Internet credit investigation in order to avoid customer credit risk and solve information asymmetry.However,the existing credit investigation services cannot meet the huge and diverse demands,so Internet credit investigation emerges.This paper,taking Guangzhou as an example and taking the cross-sector collaboration theory as the theoretical framework,analyzes the problems existing in the supervision of Internet credit investigation in Guangzhou from the following five aspects: Initial conditions,Process,Structure and Governance,Contingency and Constraints,and Public value,through data citation,interviews with relevant staff and questionnaires.The problems include the external environment,serious information leakage,invasion of public rights,regulatory failure of single department,regulatory lack of legitimacy,power imbalance between regulators,between regulators and regulated bodies,and between Internet credit bureaus and ordinary people,estranged relationships between regulators and cooperation lacking of organizational leadership,lack of self-discipline association and so on.This paper put forward the corresponding solutions,that is,government,the Internet credit agencies,industrial self-discipline association and common people across the border to participate in the supervision:First,to improve the Internet credit investigation and supervision laws and regulations;The second is to establish a cross-border supervision mechanism and organize all supervision departments to carry out supervision work together.Third,to guide Internet credit agencies and data service providers to strengthen self-management,Fourth,try to establish a local self-discipline organizations to standardize the development of the industry;Fifth,strengthen publicity and education,raise people's awareness of participation and safeguarding their rights,and guide them to exercise social supervision.