The Research On Legal Problems Of The Regulation Of Internet Credit Reporting

Internet credit reporting is a new type of credit reporting business generated under the background of Internet.It is a kind of activity that using the technology of big data and cloud computing to analyse data and then estimate users' credit.In the era of digital finance,the demand for Internet credit reporting is stimulated by the credit risk and transaction security problems in P2 P business.Meanwhile,since the group that the traditional credit reporting system can cover is very limited,the convenient and diverse Internet credit reporting has greatly solved the problem of lacking credit of students,small and micro enterprise who are difficult to be covered with bank.At present,China has gradually developed the Internet credit reporting legal framework based on the administrative regulations,departmental rules and other regulatory documents.But the defects still exist.Compared with some developed countries,they are superior to China's situation not only in the protection for individual rights,but also in the perfection of their overall legislation.This article is aimed to analyze the problems of the regulation of Internet credit reporting,combined with the present situation of Internet credit reporting,and this paper will take in some advanced foreign legislation experiences in order to seek a way to perfect the legal system.Nowadays,there are two main regulations about the Internet credit reporting business,but they are all of low level of effectiveness,and there is an inevitable lag time between the reality and legislation.So it is of great importance to perfect the legal system in Internet credit reporting business.In the domain of Internet credit reporting business,the protection for information rights is the biggest problem.We should watch out for any behavior that infringe upon our rights.Hence,in the light of problems which lies in the regulation of Internet credit reporting,we should start from such three aspects,normalizing the business behavior? developing the supervision regulations and strengthening the protection for rights,combined with the present situation of Internet credit reporting,and this paper will take in some advanced foreign legislation experiences in order to seek a way to perfect the legal system.