Research Into Personal Credit Investigation In The Bike Sharing Industry

As a new type of business model,the sharing economy has changed the direction of economic development,reshaped consumption habits of people,and provided many conveniences for people’s daily lives.Each of us is a beneficiary of the sharing economy and enjoys the benefits of the sharing economy.However,while the sharing economy is developing rapidly,we cannot ignore the credit problems brought about by the sharing economy.The essence of the sharing economy is the Internet leasing behavior.The demanders and suppliers of goods or services use the Internet platform to trade.However,the virtuality and openness of the network make the two parties unable to understand the credit level of the other party,in order to ensure the smooth trading activities carried out,it is necessary to establish and improve the personal credit information system within the industry.Shared bicycles are an important link in the development of the sharing economy.In order to reduce uncivilized behaviors in the use of users,the company has established a personal credit system to restrict user behavior.From the actual application situation,this system has limitations and requires corporate Form cooperation with each other to build an industry-wide personal credit investigation system.This article first describes the development process of shared bicycles,and then combines the basis of existing research results at home and abroad,through case analysis and questionnaire surveys,sorts out and studies the problems existing in the construction of personal credit information in the current shared bicycle industry in my country.It focuses on putting forward solutions for the construction of personal credit information in the shared bicycle industry,which is conducive to reducing the industry’s transaction costs,avoiding the occurrence of moral hazard,and providing guidance for the construction of the personal credit information system in the shared bicycle industry.This article uses literature research,case analysis and questionnaire surveys to analyze the development of personal credit information in the shared bicycle industry.In terms of the research results of the sharing economy,foreign scholars emphasized the importance of credit in the development of the sharing economy,and also mentioned reputation.The mechanism can help transaction parties establish a trust relationship.Domestic scholars believe that the personal credit evaluation system established by enterprises can make users pay attention to personal credit to a certain extent,but this credit score system has limited ability to restrain users and cannot form longterm constraints.Research on the status quo of personal credit reporting in the shared bicycle industry found that companies are constantly exploring the establishment of a personal credit evaluation system,establishing an internal credit evaluation system,and cooperating with the government to conduct joint supervision of individual behavior.These practices have promoted personal credit reporting in my country.The development of the system construction,especially after the cancellation of the deposit system for shared bicycles,the development of personal credit investigation by enterprises can effectively regulate the use of users and reduce business risks.Of course,there are still many problems in the construction of personal credit information in the shared bicycle industry.For example,users have insufficient understanding of credit-free deposit and comprehensive deposit-free services,trustworthy incentives and untrustworthy punishment mechanisms are not sound,and the credit score system does not have obvious effects on users.It is difficult to share the credit information collected by enterprises.In order to solve these problems,this article proposes that an industry credit information sharing platform should be established to connect with the personal credit information database of the central bank;develop unified credit standards and effective rewards and punishment mechanisms,and improve the protection of personal credit data.Law: Enterprises and local governments have strengthened cooperation to incorporate bicycle sharing into the application scenarios of urban credit scores,expand the scope of urban credit scores,and improve urban governance capabilities.