Research On The Legal Issues Of Personal Credit Information In The Background Of Sharing Economy

The sharing economy has been quietly rising and rapidly developing in China,bringing convenience to people’s lives.Large to travel,out of accommodation,small to charge treasure,there are shared economic figures everywhere.The essence of the sharing economy is the credit economy.When people retain the ownership of the goods,they temporarily transfer the right to use the idle items through the shared platform.The sharing economy has extremely high credit requirements for users.However,due to the weak social credit system in China and the lack of regulation of the credit system in the sharing economy,credit problems are frequent,and the credit problem has become an obstacle to the sharing economy.To solve the problem of sharing economic credit,it is necessary to introduce a personal credit information system to regulate.The emergence of Internet credit information technology has expanded the means of credit collection and application,and laid the foundation for the application of the sharing economy.Studying the legal issues of the personal credit information system in the context of sharing economy has important practical significance.In the future economic development process,the two-way promotion of the sharing economy and the personal credit information system will become more apparent.This paper examines the issue of personal credit law in the context of shared economy from four parts.The first part is a basic overview of the shared economy and personal credit reporting systems.This part mainly expounds the concept and development status of the sharing economy,as well as the status quo of China’s personal credit information system,and points out the new characteristics of personal credit information development under the background of sharing economy.The second part analyzes the necessity and feasibility of developing individual credit information system in the context of sharing economy.The essence of the sharing economy is the credit economy.The lack of a credit system leads to frequent problems in sharing economic credit.It is necessary to study the personal credit information system in the context of sharing the economy.The development of China’s credit information system is weak,the richness of Internet credit information and the increase in the scope of credit information have alleviated the contradiction between the sharing economy and personal credit information.The third part discusses the legal issues of personal credit information in the context of sharing economy.Lack of legislation,inadequate legal regulation,lack of protection of legal rights and interests of information subjects,unclear responsibility system,and backward supervision have become obstacles to the development of personal credit information systems.The fourth part explores the solution to the proposed problem.It mainly includes sound laws and regulations,proposes specific legal regulation measures,and improves supervision to provide a good legal environment for the development of the personal credit information system in the context of sharing economy,so as to promote the development of the sharing economy.