Research On The Mixed Mode Of Personal Credit Investigation From The Perspective Of Financial Supervision

This writing is based on the personal credit card has been unable to issue,credit agencies based on their credit information and user data,each credit rating and the corresponding credit service background.In February 2018,the People's Bank of China(PBOC)has approved the practice of personal credit information collection service by Credit Suisse Asset Management Co.,Ltd.The landing of personal credit information does not mean that the existing problems in the personal credit information industry have been solved.How to supervise the law,data sharing of credit reporting agencies and information security of the information subjects still need to respond to the regulatory agencies,credit agencies and the market.Based on the above realistic issues,this article starts with the important concepts of personal credit information and gradually advances the issue of legal relations in personal credit investigation activities.By combining the history and the status quo of its own credit supervision,this paper analyzes the development model and direction of credit information industry under the existing laws and regulations,makes horizontal comparison and study with the credit information collection and credit supervision system in mature credit reporting countries,The direction and choice of the development of credit bureaus,from the improvement of regulatory law,the operation of credit bureaus and the construction of the entire regulatory system and so on.In addition to the introduction and conclusion,this article is divided into the following four parts:The first part puts forward the basic theory of personal credit information and the constitution of all the basic legal relations in the personal credit information operation,and analyzes each legal relationship.First introduced the definition of credit information,different scholars,the central and local legal norms are listed and compared the different definitions of credit information.Through this comparison,the basic contents of credit investigation activities are revealed.Secondly,the purpose of credit investigation is mentioned,the credit activities and contents of credit investigation agencies are clarified,and finally,the mainstream personal credit reporting mode is briefly introduced.The main features of the letter model.The second part mainly focuses on the supervision of personal credit in our country.The history and status quo of China's personal credit information are introduced,and the content regulations of the "Regulations on the Management of Credit Information Industry" are emphatically analyzed.The central bank credit information center positioning and personal credit information based on the status of the database.It also introduced China's credit reporting system under the guidance of the central bank,making it clear that our country should adhere to the credit reference mode that is mainly based on the central bank's credit reference center and supplemented by the commercial credit reporting agency.The third part introduces the credit supervision system of the United States,Germany,Britain,France and Japan,and explains the notable features of their credit reference and the rights and obligations of the credit reference agencies respectively.The inspiration and reference elaborated.The fourth part puts the institution of credit collection under the background of the construction of social credit system,combines the opportunities and challenges brought by personal credit investigation to the personal credit supervision in combination with the personal credit investigation,the important credit information industry such as telecommunication industry The importance of personal credit reporting agencies,and finally proposed the future development of credit reporting agencies.