Construction Of Small And Micro Enterprise Credit Collection System Under The Background Of Internet Finance

With the continuous integration of finance and the Internet,the innovative Internet finance model has opened up a new economic era.Internet banking has made deposit and loan services more convenient and standardized.Internet banking has opened up a new perspective on human investment;third-party payment has made mobile phones occupy the purse and bank card positions;P2P and crowd funding have discovered a new financing mode for many enterprises and individuals,and laid the foundation for the development planning.Internet finance brings convenience and efficiency to our lives,at the same time,it also brings many challenges to the financial market.Internet finance brings convenience and efficiency to our lives,but also brings many challenges to the financial market.In the era of mass entrepreneurship,small and micro businesses as the main body of the economic market have always been the focus of government support.However,small and middle businesses have the characteristics of weak credit concepts and imperfect financial systems.The "inclusive finance" feature of internet finance can effectively alleviate the financing difficulties of small and micro businesses.However,due to over-reliance on financial data in credit evaluation of small and middle businesses,there is still a large amount of blanks in China's credit database,which hinders the financing and development of small and middle businesses in the Internet financial market The construction of China's credit information system started late.Compared with the development of China's economy,there is a serious lag.The frequent closure of internet credit companies has exposed the lag in the construction of the Internet financial credit system and the lack of supervision.It is imperative to establish a credit evaluation system that meets the special conditions for the development of small and middle businesses in China as soon as possible,and to improve our country's credit collection system.The full text is divided into seven parts:the first part is the introduction,which mainly analyzes the related research at home and abroad.The second part is the related concepts.It analyzes the concepts of credit,credit investigation and the necessity of credit information.The third part introduces the development status of Internet finance,small and micro businesses' financing and credit investigation.The fourth part compares the credit system of the United States,Europe,India,Japan,and South Korea,draws lessons from the experience of foreign credit system construction,and selects the credit model that suits China's economic system and credit market.The fifth part starts with the principle of credit,analyzes the existing problems and shortcomings of the existing credit scoring system for small and medium-sized businesses,and proposes solutions.The sixth part is to build a cascade credit scoring system for small and micro enterprises.The seventh part eliminates some policy suggestions for constructing the credit reporting system for small and medium-sized enterprises from the aspects of legal construction and personnel training.