Research On The Construction Of China's Personal Credit System Under The Background Of Internet Finance

The personal credit system construction of our country is dominated by the central bank credit reporting system,however,in recent years due to the rapid development of Internet financial,traditional personal credit registry system already cannot satisfy the needs of the development of the Internet financial therefore our country should adapt to the Internet financial development demand for the construction of personal credit system,in order to solve the Internet personal credit problems in the financial development.Current overseas personal credit registry pattern mainly has market of credit reporting,public credit and credit reporting industry association,such as the market of personal credit system model represented by America,represented by France,Germany,personal credit system of government leading mode,represented by Japanese industry association type of personal credit system model,the construction of personal credit system in these countries have been at the mature stage,regulation of personal credit system in our country,the construction of legislation,organization mode to a certain extent,can refer to the experience of the construction of the country,and combining with China's basic national conditions,and the development of the Internet financial,Targeted to strengthen China's personal credit system construction.This paper uses the comparative analysis method and case method,first of all,literature review and combing both at home and abroad,secondly the concept of credit,credit and personal credit registry made in detail,introduces the basic theory of the construction of personal credit system of the two,namely,the asymmetric information theory,transaction cost theory on the basis of the research under the background of the Internet financial current situation of the construction of personal credit system in our country,and probes into the problem of personal credit system construction in our country.Then,the paper makes a comparative analysis of the three main modes of personal credit system construction in developed countries,and discusses the experience and enlightenment that can be provided for the construction of personal credit system in China.After credit sesame,for example,the evaluation model,data sources,and the rationality of the model,the advantage and so on carries on the analysis,found the Internet financial personal credit registry system compared with traditional coverage of personal credit system has more bigger,collect data,process data faster and more accurate evaluation results of advantage,will be thefuture direction of our country's individual credit system construction.Finally,under the background of the Internet financial personal credit system construction in China were discussed and put forward relevant Suggestions,such as under the background of the Internet financial personal credit system construction in China should pay attention to the development of Shared services economy,collected more information of natural person,improve the personal credit reporting coverage,speed up the construction of personal credit system in our country rule of law,establish a unified,personal credit evaluation system.