Research On The Protection Of Personal Information In The Internet Financial Credit Investigation System

With the development of mobile communication technology,especially the popularity of smart phones,people’s access to Internet is becoming more and more convenient and cost is lower and lower.The Internet has greatly improved people’s lives.The financial industry is affected by it,and Internet finance has also emerged and flourished.Internet finance has played a positive role in making up for the shortcomings of traditional finance and promoting Inclusive Finance,and the development of Internet finance has also put forward higher requirements for personal credit reporting system.Recently,the Internet financial institutions accumulated a large number of users of credit information in the course of business,but because of information sharing and risk early warning is inadequate,the lack of effective coordination between the Internet and financial institutions,in the island state,so the "excessive" bull lending fraud lending and chaos It is often seen.This poses a great challenge to our traditional credit collection system,and the development of Internet credit is urgent.At present,the relevant laws and regulations related to personal credit information in China are only "Regulations on the administration of credit industry",but there is no sufficient regulation for the boundary and regulatory scale of personal information collection,and the personal information protection law is still under development.This has not been able to adapt to the growing speed of development.As an innovative way of credit collection,Internet credit need to be regulated by a new system.Due to the convenience of Internet information collection and transmission,and the security defects of the Internet itself,Internet credit agencies are likely to infringe users’ personal information at the stage of information collection and utilization,or cause personal information leakage due to poor information preservation.In our country,the legislation of personal information protection is not perfect,and it is difficult to get compensation for the infringement of personal information.Therefore,the construction of the Internet financial credit system and the protection of personal information in the letter of credit are worthy to be discussed.This paper is divided into four parts: first,it analyzes the current situation of the Internet financial credit system in China,and makes a framework understanding of relevant systems;second,it introduces the current situation of personal information protection in the Internet financial credit system;third,it analyzes the problems of personal information collection,utilization and protection in the process of information collection,utilization and protection and explores the root causes of the problems;finally,from the perspective of legislation,industry supervision and legal relief put forward the perfect scheme of personal information protection.