Research On The Construction Of Credit Investigation System Under The Background Of Internet Finance

With the rapid development of information and Internet technology,Internet finance in China has entered a high-speed growth.The development of modern information technology,such as social network,search engine,mobile payment,cloud computing and large data,has brought about many new financial service modes on the Internet,providing huge loans for enterprises and individuals.Defecation is also a great risk to financial management.On the one hand,the Internet financial model will bring huge business opportunities and bring about great changes in the competition pattern of the financial industry;on the other hand,the Internet financial model is conducive to improving the "financial inclusiveness",solving the financing difficulties of small and medium-sized enterprises,and promoting the development of non-governmental financial norms,but relative to the reform and development of the financial industry.The reform and development of China's credit reporting system is obviously lagging behind,and the potential risks and regulatory problems can not be ignored.The frequen "bankruptcy tide" of Internet credit companies has exposed the lag of the construction of Internet financial credit system and the lack of supervision,which has brought adverse effects on the development of Internet finance.However,the traditional financial information service is slow,inefficient,and covers a narrow range of people.It has been unable to meet the new needs of Internet financial services.How to establish a scientific,reasonable,convenient and safe credit information management platform and mode is of great significance.In order to better serve enterprises and individuals,this paper in line with the principle of seeking truth from facts,on the basis of research status in the field at home and abroad,earnestly absorbed some advanced credit management model and experience.First of all,through literature,research,induction and deduction,focusing on the search for relevant credit management information,to define the relevant concepts of credit reporting,credit reporting system and related theory of credit system construction,lay a theoretical foundation for the paper research.Secondly,we should study and learn three modes of foreign Internet financial credit system construction,and the advantages and disadvantages of the three modes.This paper expounds the current situation of China's credit reporting construction,as well as the current background of the development of Internet finance,the urgency and necessity of improving the credit reporting system.At the same time,combining with the exploration and application of three models at home and abroad,it further illustrates the elements of China's credit reporting system construction experience under the background of Internet finance.Finally,the paper puts forward the idea of constructing China's Internet Financial Credit Reporting System--based on the credit information sharing under the leadership of the central bank,discusses the construction mode of social credit system,the principle of credit information sharing,and puts forward the method of building a credit information platform for the vast number of people based on the construction of information sharing platform of the bank credit reporting system.Enterprises and individuals provide convenient access to the inquiry and utilization of credit information;in order to further improve this information inquiry and sharing,put forward some improvement methods and measures to ensure the security,instantaneity and effectiveness of the common information resources.This paper adopts a complete set of statement method of "discovering problems-solving problems",and constructs the sharing method of Internet financial credit information by implementing and using the People's Bank of China credit information system platform.It has some reference and practical functions for the current mode and method of credit investigation.