互联网金融对我国征信体系建设的影响及对策研究  

Study of the Influence of Internet Finance on the Construction of Credit Information System in China and the Countermeasures

作　　者：牛国良[1] 高娜 NIU Guoliang;GAO Na(Beijing Institute of Economics and Management,Beijing 100102,China)

机构地区：[1]北京经济管理职业学院会计与金融学院,北京100102

出　　处：《北京经济管理职业学院学报》2020年第4期23-27,共5页Journal of Beijing Institute of Economics And Management

摘　　要：金融征信体系是我国建立现代市场经济运行体制最重要的金融基础设施之一。互联网金融的产生和快速发展,使我国在征信体系建设的初级阶段就要面临体系升级任务。基于这一背景,文章在深入分析互联网金融对我国金融征信体系建设带来的挑战和面临的机遇后,提出建立并升级我国金融征信体系的三个对策:形成行业良好生态链;对内推进改革,对外加强合作;严格监管,严守底线。Financial credit system is one of the most important financial infrastructure for establishing modern market economy operation system in China.With the emergence and rapid development of Internet finance,China is faced with the task of upgrading the system at the initial stage of the construction of credit reporting system.Based on this background,this paper proposes three countermeasures to establish and upgrade China's financial credit information system after an in-depth analysis of the challenges and opportunities brought by Internet finance to the construction of China's financial credit information system:forming a good ecological chain in the industry;promoting internal reform and strengthening external cooperation;and strictly regulating and sticking to the bottom line.

关 键 词：互联网金融 金融征信体系 对策 

分 类 号：F832.4[经济管理—金融学]