Research On The Legal Supervision Of Internet Personal Credit Institutions

Under the birth of Internet financial services such as consumer finance,online lending,and sharing economy,credit has been gradually quantified and become an important criterion for financial transactions,and credit investigation has followed.Personal credit investigation has become the main business of the credit investigation industry due to its wide range of information sources and close relationship with the interests of the public.With the rapid development of Internet technology,large Internet companies with strong capital backgrounds have established credit investigation companies and flooded into the credit investigation market.Our country’s traditional personal credit investigation layout centered on the central bank’s credit reporting center has gradually become diversified.The combination of traditional Internet and personal credit investigation has the advantages of low credit investigation cost,high processing efficiency,and high commercial value that the traditional personal credit investigation industry cannot replace.In the Internet personal credit information market,the Internet personal investigation agency plays the role of an intermediary,and based on its own database and algorithm advantages,it closely links the subject of credit information collection and the subject of use.However,the development of our country’s credit market is relatively slow,resulting in the immature legal supervision of Internet personal credit investigation agencies and the market is chaotic.Before the Internet of personal credit investigation agencies,violations of citizens’ privacy rights and reselling of personal information and other illegal operations were common,and they have become more reckless in the context of the Internet.The legal supervision of Internet personal credit investigation agencies is imminent.This article briefly analyzes the current situation of the supervision of Internet personal credit investigation agencies in practice,clarifies the current problems and analyzes the reasons,and draws on the advanced experience of developed countries to form a strict legal supervision system for Internet personal credit investigation agencies as much as possible.Orderly personal credit market to make recommendations.This article is divided into four parts:This article is divided into four parts:The first part is the introduction.This paper mainly introduces the research background and significance of the legal supervision of Internet personal credit investigation agencies,summarizes relevant Chinese and foreign literature reviews,summarizes the existing research on the legal supervision of Internet personal credit investigation agencies,and introduces the research methods,research ideas and innovations.The second part is the basic theory of legal supervision of Internet personal credit investigation agencies.This part first analyzes the connotation of Internet personal credit information,and tries to define the corresponding concepts.Secondly,it analyzes the new features of personal credit reporting in the context of the Internet.And from a legal perspective,it defines the supervision of Internet personal credit investigation agencies.Finally,it briefly analyzes the necessity of legal supervision of Internet personal credit investigation agencies.The third part,the current situation of supervision of Internet personal credit information agencies and its shortcomings.This part comprehensively examines the current status of supervision of Internet personal credit investigation agencies,and sorts out its shortcomings,including the urgent need to form a legal and regulatory system,weak regulatory bodies,improper operation and supervision,backward supervision models,and vague legal responsibilities.The fourth part,suggestions for legal supervision of Internet personal credit investigation agencies.This part undertakes the content of the third part,and puts forward feasible improvement suggestions in view of the existing deficiencies.It is mainly carried out from five aspects: improving the legal and regulatory system,clarifying the main body of supervision,reshaping the access and exit standards,innovating the supervision model,and clarifying legal responsibilities.