摘要
随着我国市场经济和互联网金融的快速发展,征信体系的建设成为市场经济发展的重中之重。互联网金融比传统金融准入门槛低、覆盖范围广、数据更新频率高、无需线下处理。这些比较优势也给互联网金融带来更多的不确定性因素。互联网金融发展急需权威可信的第三方对行为主体进行信用评估,以此进行风险控制和宏观管控,所以征信体系正是互联网金融运行的有力支撑。立足于互联网金融,对相关理论和市场信息进行研究参考,分析我国征信体系建设现状,对互联网金融和征信体系互相影响的关系进行深刻剖析,总结互联网金融数据与信用体系对接的困难与现实问题,尝试给征信体系的下一阶段建设提供理论依据。最后得出结论,必须政企互信,共享信用数据,对互联网金融市场进行切实有力的监管,让征信机构丰富信用数据收集场景和创新征信产品,才能让征信体系在互联网金融背景下得到长远发展。
With the rapid development of China's market economy and Internet finance,the construction of credit reporting system has become the top priority of the development of market economy.Internet finance has lower access threshold than traditional finance,wide coverage,high data update frequency and no need for offline processing.These comparative advantages also bring more uncertainties to Internet finance.The development of Internet finance needs an authoritative and credible third party to conduct credit assessment on the subject of conduct,so as to carry out risk control and macro control,so the credit reporting system is the strong support for the operation of Internet finance.Based on Internet finance,this paper conducts research and reference on relevant theories and market information,analyzes the current situation of China's credit reporting system construction,deeply analyzes the relationship between Internet finance and credit reporting system,summarizes the difficulties and practical problems in the connection between Internet financial data and credit reporting system,and attempts to provide theoretical basis for the next stage of the construction of credit reporting system.Finally,it is concluded that only by mutual trust between government and enterprises,sharing credit data,conducting effective and effective supervision of the Internet financial market,and allowing credit reporting institutions to enrich the credit data collection scenarios and innovate credit reporting products,can the credit reporting system achieve long-term development in the context of Internet finance.
作者
廖银屏
LIAO Yin-ping(School of Finance,Changchun Finance College,Changchun 130124,China)
出处
《长春金融高等专科学校学报》
2023年第2期48-52,共5页
Journal of Changchun Finance College
基金
长春金融高等专科学校科技金融平台项目(2022JZ019)。
关键词
互联网金融
征信体系
路径分析
Internet finance
credit reporting system
path analysis
