Research On The Construction Of Internet Financial Credit Collection System In China

Finance is an important core competitiveness of the country.As the cornerstone of modern finance,credit is the premise of the development of the financial industry.The financial industry will not be able to operate without the letter of credit.The safe operation of the financial system requires a sound credit system to provide protection.With the wide application of big data technology and the continuous innovation of the financial industry,the efficiency of financial services has increased dramatically,and the emergence of new payment and transaction methods,the traditional credit model has been unable to meet the needs of Internet finance development.Now the credit industry is facing Unprecedented opportunities and challenges,it is extremely urgent to establish a credit information system that is compatible with the current development of Internet finance.As an important supplement to the credit system of the People’s Bank,the market-oriented Internet financial credit collection institution promotes the development process of the credit collection industry in China,and it is of great significance to study the market credit collection institution for the government to build the Internet financial credit collection system and give full play to the dual role of "Government + market".This paper first makes a brief summary from the research background and significance,literature review,research content and research methods,innovation and shortcomings,and then combs the related concepts and theories.This paper analyzes the present situation of the construction of Internet credit information system in China and the risk factors in Internet financial credit information.On this basis,this paper selects the Baihang Credit Information as the practical case of the construction of the Internet financial credit information system in China,analyzes on the problems and causes of the Baihang Credit Information system,summarizes the enlightenment of the Baihang Credit Information system to the construction of the credit information system in our country,and puts forward some suggestions for perfecting the credit information system construction of our country.This paper analyzes the problems existing in the Baihang Credit Information,including the lack of effective supervision system in the field of Internet credit information,the lag of legal system construction related to Internet financial credit information,the low cost of breach of trust,the imperfect sharing mechanism,the shortage of talents and so on.Finally,the research conclusions are drawn and in view of these problems,some countermeasures and suggestions are put forward,such as strengthening the construction of Internet credit supervision system,strengthening the construction of credit information talents,strengthening the punishment of breach of trust behavior,perfecting the sharing mechanism and so on.