Research On The Construction Of Internet Financial Credit Reporting System In China

In recent years, the rapid development of China’s Internet banking, development of social network, search engine, mobile payment, cloud computing, big data and other modern information technology, so that the Internet has given birth to varieties of new financial service modes, huge impact on the existing financial model, but also for bringing lots of new topics for the financial market. On the one hand, the Internet financial pattern will bring enormous business opportunities, changing the financial industry competition pattern. On the other hand, the Internet financial pattern is helpful to improve the "financial inclusion", promoting the folk financial development and solving the small and micro enterprises financing difficult problem, but compared with the reform and development of financial industry, China’s reform and development of credit reporting systems is obviously lagging. Therefore, the potential risks and regulatory problems resulting from the frequent network can not be ignored. The Credit Company "closures" exposures the lack of Internet financial credit reference system construction lag and supervision, and it casts a shadow on the development of network finance. The construction of industry credit reporting systems has become the urgent priority of Internet financial development. How the Internet financial and credit industry will find the intersection point of development, this paper carries on the preliminary discussion on this theme, presenting the establishment of the Internet financial reporting sub system, which based on the People’s Bank credit reporting systems(the full name of the national financial credit information database), and the paper also presents some suggestions for regulating and promoting the healthy development of Internet financial credit industry.The whole paper consists of five parts:the first part is the introduction. It mainly introduces the research background, the domestic literature reviews, the significance, ideas and the method of the whole paper, as well as the innovation and the insufficiency. The second part is the analysis of the current situation of Internet financial credit reporting systems in China. The third part is the quotable experiences and enlightenment of the foreign Internet financial credit reporting systems construction. The forth part is the key of the full paper, elaborating the ideal model of Internet financial credit reporting systems construction in China. Firstly, it analyze the construction background, secondly the construction principle is putting forward, next the ideal model and its basic structure, and then the passage will analysis the feasibility of construction and problems we face. The last part represents that we need to take some measures in order to solve the problems.