Research On The Construction Of Personal Credit Investigation System Under The Background Of Internet Finance

As a quasi-public product,the reliability and authenticity of personal credit investigation is an important reflection of the quality of the public product supply.This is the core of this paper.In the context of the rapid development of Internet finance,many natural persons use the credit products of Internet finance platform,but their credit and repayment records are not reflected in the personal credit investigation report issued by the credit investigation Center of the People’s Bank of China.There are cases of natural persons "concealing" the debt information of banks,financial institutions and Internet financial platforms for loans.Caused the "long credit" and other credit risk problems;At the same time,the personal credit information uploaded by some Internet financial institutions to the credit investigation system of the People’s Bank of China is highly arbitrary,resulting in repeated errors in the personal credit investigation report issued by the credit investigation Center of the People’s Bank of China,which has aroused strong social concern about the protection of personal information privacy.The credit risk problems such as "long credit extension" are caused by the unreliable credit information reflected in the personal credit investigation report issued by the credit investigation Center of the People’s Bank of China.The problem of personal information privacy protection is caused by the inauthenticity of the information reflected in the personal credit investigation report issued by the credit investigation Center of the People’s Bank of China.How to make up for the "reliability" and "authenticity" of these two deficiencies,it is very important.This is also the focus and entry point of this paper.Based on the reliability and authenticity of the personal credit investigation report,this paper applies the theories of information asymmetry and synergy to the construction practice of the personal credit investigation system under the background of Internet finance,using the methods of literature review,comparative analysis and case study,and mining related data for comparative analysis.It is found that the personal credit investigation report provided by the credit investigation Center of the People’s Bank of China under the background of Internet finance is unreliable and untruthful.At the same time,through the case study of the establishment of the first market-oriented personal credit investigation agency--Baixing Credit investigation Co.,LTD.,the "credit investigation incident",Huabai access to the central bank credit investigation and so on,it is found that in the process of the personal credit investigation system construction under the background of Internet finance in the process of the development of the credit investigation model is not clear,the credit investigation report is still not reliable and so on.Make a comprehensive analysis of the reasons for the unreliability and inauthenticity of personal credit report.Targeted from the definition of the general ideas of the construction of personal credit investigation system under the background of Internet finance,determine the personal credit investigation development mode under the background of Internet finance as well as the construction and access approval system of legislation,disciplinary system for breaking credit,social credit culture,report and regulation of credit investigation,industry self-regulation,data sharing,multiple supervision and collaborative governance of eight aspects to improve our country The strategy of personal credit investigation system construction under the background of Internet finance.This paper tries to closely control the credit investigation and supervision policies in China,highlighting the role played by the regulatory agencies in ensuring the reliability and authenticity of the credit investigation reports and other credit investigation products provided by the credit investigation agencies,and making the case study of market-oriented individual credit investigation agencies typical and representative,so as to ensure that the research results have certain practical significance.This paper will provide some reference suggestions to improve the construction scheme of personal credit investigation system under the background of Internet finance.