Analysis Of The Personal Credit Reporting System Baesd On The Internet Platform

The modern market economy is fundamentally a credit economy, finance is the core of modern economy as well as the product of credit relations, and social credit conditions had a great influence on the modern economic and financial operation. Credit, as the core of financial, is an important link to maintain social and economic relations, the whole social credit is mainly composed of personal credit, enterprise credit, government credit and other credit the four categories. Personal credit, or consumer credit, is an important part of social credit, its activity is closely linked to one countries'or areas'financial services degree and economic development. A sound credit system is one of the important symbol whether the market economy is mature, the personal credit system as the core links of the social credit system, Based on personal credit information collection, recording, sorting and processing, and finally provide credit information to the information users this series of activities, credit reporting system has important economic and social significance in improving the social credit consciousness, establishing a integrity economic operation order, the development of personal credit, to set up the reasonable trading rules, reduce and defuse financial risks. In recent years, China's economy and finance obtained a rapid development, but because of the newly started credit market and has long been government-led led to the immature marketization of credit reporting, credit and personal credit system construction lag has hindered the progress of the market and even cause some certain adverse effect to the financial system, developing an impeccable personal credit system is an urgent affairs.With the booming development of the Internet platform, the credit system is facing both opportunities and challenges, credit reporting based on Internet platform has the vast resources and powerful data processing ability, it has expand the channels of credit reporting and also have revolutionized the traditional pattern of credit products and scoring, the application of Internet credit gradually widely, become the new standard of credit economy development.This paper studies in this way:In the basis of definitely defining the concepts related to credit, individual credit, credit reporting, internet platform credit reporting, through the information asymmetry theory and the game theory, we clarifies the great significance of setting up individual credit reporting system. The second, we introduce international and China's credit reporting system construction process, and try to provide references to our country. Then we introduce the concept of credit reporting system based on internet platform as well as compare it with traditional credit reporting system. Finally, we use alibaba's credit product-sesame credit as an example, points out some existing problems, brings forward relevant suggestions aiming at the problems, and try to promote the development of Internet credit reporting system.