互联网消费金融虚拟信用风险研究  

Research on Risk of Virtual Credit of Internet's Consumer Finance

作　　者：肖振宇[1] 张杰[1] 谷瀛 

机构地区：[1]南京审计大学金融学院,江苏南京211815

出　　处：《牡丹江师范学院学报（社会科学版）》2016年第1期42-44,共3页Journal of Mudanjiang Normal University(Social Sciences Edition)

基　　金：国家社会科学基金项目(15BGL045);江苏省高校哲学社会科学项目(2015SJB194);江苏省高校哲学社会科学重点研究基地(苏教社政[2010]9号)资助;江苏省高校优势学科建设工程项目应用经济学(苏政办发[2014]37号)资助

摘　　要：互联网虚拟信用具有授信依据信息有限、授信对象地域范围广、授信额度普遍较小、存在技术风险和冒用他人信息风险等特点。为促进互联网虚拟信用的发展,电商应当加强消费者诚信理念宣传,对部分商品可以实行按诚信等级来定价,加强网络安全技术建设和消费者的实名身份认证、培养专业的管理人才,政府需牵头建立统一的电商数据消费者数据收集平台,将消费者违约的数据纳入诚信管理系统。The rapid development of Internet consumption led to the financial innovation of the Internet：Virtual Credit of Internet＇s Consumer Finance.As a newly sprouted things,virtual credit of internet has some characteristics：credit on the basis of information is limited,Credit object region is wide,Credit is generally small,it has technology risk and faking information risk of others.In order to promote the development of the Internet virtual credit,e- business should strengthen the concept of consumer credit？propaganda,For part of commodity can be according to the grades of the good faith to pricing,strengthen the construction of network security technology and the real-name authentication of consumers,training professional management talents.Government need to take the lead in establishing a unified electricity data data collection platfor,and take the consumer default data into the good faith management system.

关 键 词：互联网消费 消费金融 虚拟信用 

分 类 号：F724[经济管理—产业经济]