Researchon Legal Issuesof Big Data Credit Supervision

With the rise of big data technology,some institutions with big data have begun to enter the credit reporting field.The new credit reporting model of "big data + machine learning" has not only become an important supplement to traditional credit reporting,but also effectively reduced the financial market.potential risks.Relying on the advantages of the Internet,big data credit reporting is more convenient and efficient in data collection,processing and other aspects,and covers a wider range of credit subjects.However,as big data credit reporting is still in practice and exploration,personal information data is collected,traded and used at will The information and data processing procedures are not standardized,the boundaries between the use of big data technology and algorithm models are blurred,and the violation of personal information rights and interests has become more serious,which has brought great challenges to China’s credit supervision.In view of this,this article analyzes the major manifestations and practical characteristics of big data credit reporting,the legal problems encountered in China’s big data credit supervision,and draws on advanced overseas regulatory experience to improve the supervision system for big data credit and propose recommendation.First of all,in the introduction,list the topic selection background,research significance,and research methods of this article.By sorting out the current research status of academia,summarize the innovations and deficiencies of this article.The second chapter,through the comparative analysis of credit and credit information,big data credit information services and big data credit,and other related concepts,determine the extension of big data credit,and by analyzing the main forms of big data credit,practical characteristics and big data Necessity of credit supervision,clarify the direction and basic elements discussed in this article.The third chapter,through a comparative analysis of the problems encountered in the practice of big data credit reporting with China’s current regulatory regulations,explores the legal problems in the legal basis,scope of supervision,protection of information subject rights and interests,and data protection in China.Chapter Four,according to the aforementioned regulatory legal issues,combined with foreign developed countries’ experience in credit supervision and the characteristics of China’s big data credit practice practice,put forward targeted recommendations.