互联网金融背景下我国个人征信体系问题分析及建议  

Analysis and Suggestions on China’s Personal Credit Investigation System under the Background of Internet Finance

作　　者：杨越 黄思刚[1] YANG Yue;HUANG Si-guang(School of Economics,Guizhou University,Guiyang 550025,China)

机构地区：[1]贵州大学经济学院,贵阳550025

出　　处：《经济研究导刊》2022年第8期124-126,共3页Economic Research Guide

摘　　要：通过从互联网金融角度分析我国个人征信体系现有问题发现,个人征信体系存在用户隐私权易受侵犯、数据共享难度大、征信标准化建设缓慢、监管体系不够完善的问题。我国可以借鉴国外的模式,结合自身的特点,通过建立有效的个人信息救济机制、设立个人征信机构之间的共享制度、建立统一的征信标准、优化征信监管体系等来促进个人征信体系发展。This paper analyzes the existing problems of China’s personal credit investigation system from the perspective of Internet finance.Through the analysis,it is found that the personal credit investigation system has the problems of users’ privacy being easily infringed,the difficulty of data sharing,the slow construction of credit investigation standardization and the imperfect supervision system.China can learn from foreign models and combine its own characteristics to promote the development of personal credit investigation system by establishing an effective personal information relief mechanism,setting up a sharing system among personal credit investigation agencies,establishing a unified credit investigation standard and optimizing the credit investigation supervision system.

关 键 词：互联网金融 个人征信体系 完善建议 

分 类 号：F832.4[经济管理—金融学]