Research On The Development Of Internet Personal Credit Reporting Industry

In recent years,with the rapid development of the market economy,the field of the Internet has shown a thriving trend,the Internet financial and other emerging new financial formats have aroused great concern of the public and the regulatory authorities,personal credit demand is also growing.Under the guidance of the current value of credit society,the application of Internet and large data technology has gradually changed the design and application of credit products,and laid an important foundation for the future development of personal credit reporting industry.Especially the "Internet plus" initiative is to attract more and more organizations to turn their attention to the field of personal credit,so as to the Internet personal credit reporting model provides development opportunities.But at present,China’s Internet credit reporting is still in the early stages of development,Facing many problems and challenges,In order to fully grasp the current development trend of China’s personal credit reporting industry,and guide the innovative and harmonious development of personal credit reporting,This paper studies the issue from various angles.This paper mainly discusses from the following aspects:the first chapter briefly describes the background and purpose of this study,to understand the status quo and development trends at home and abroad,and put forward the research ideas and methods.The second chapter describes the relevant concepts,characteristics and functions of Internet personal credit reporting.The third chapter focuses on the analysis of the current situation of the development of China’s Internet personal credit reporting,especially the existence of several types of comparative analysis.and analyzes the opportunities faced by the development of personal credit reporting industry from the aspects of policy and market.The fourth chapter focuses on the problems in the development of China’s Internet personal credit reporting industry from legislation,data technology,information security,information sharing,industry regulation,etc.The fifth chapter focuses on the experience of foreign models.Because foreign countries especially the American personal credit industry is more developed,the Internet personal credit reporting has also made new progress and the breakthrough,this part focuses on the analysis of the development mode of the personal credit reporting industry of the United States,share the typical practice,and learn the advanced experience.The sixth chapter is based on a series of analysis,combined with the reality of our country,put forward the direction of future development and a series of recommendations.The seventh chapter is the conclusion and prospect.Sum up the full text,and puts forward the hope for the future development of China’s Internet personal credit reporting industry.