关于当前互联网金融征信发展的思考

信用是互联网金融的核心,互联网金融体系运行的基石是征信.对互联网金融和互联网金融征信的内涵、互联网金融征信的隐私保护、互联网金融与人民银行征信系统的信息共享、互联网金融模式下的信用评分等问题进行研究分析,认为当前互联网金融乃至整个互联网发展的重大课题是要构建互联网金融征信,前瞻性地构建完善的互联网金融征信体系,并对如何规范和促进互联网金融征信健康发展提出相关建议.

Reflections on the Current Development of Internet-finance Credit Reference

Credit is the core of the Internet finance, and the cornerstone for operation of Internet financial system is credit reference. An analysis is made on such issues as the connotation of Internet finance and Internet financial credit reference, privacy protection of Internet financial credit reference, information sharing between Internet Fi- nance and the PBC credit reference systems, and credit rating under Internet finance model. It is believed that a significant task for the current Internet finance and even the overall development of Internet is to build Internet-based financial credit reference and to build a sound financial credit reference system on a foresighted basis. The paper al- so presents some suggestions for regulating and promoting the healthy development of Internet-based financial credit reference.