互联网消费金融征信:域外经验与中国镜鉴

近年来,我国征信市场伴随着互联网、大数据等金融科技浪潮迅速壮大,并以此促进了互联网消费金融行业的发展。然而,互联网消费金融行业的征信问题必须引起高度重视,如征信体系尚不健全、信息有效性不足、信息供求失衡、信息资源共享机制尚未形成等。通过考察域外国家不同法律体系的互联网消费金融征信建设情况,提出我国互联网消费金融征信体系建设的路径选择建议。

On the Foreign Experience in Internet-based Consumer Finance Credit Reporting and Suggestions for China

With the burgeoning of financial technology in recent years,such as internet and big data,China's credit reporting market expands rapidly,which promotes the growth of the internet-based consumer finance industry.Nonetheless,China's internet-based consumer finance credit reporting is faced with the problems of incomplete credit reporting system,lack of effectiveness in information,imbalance between supply and demand for information,and an information sharing mechanism in its infancy,etc.,which should be given due attention.This article explores foreign experience in internet-based consumer finance credit reporting within different legal systems and puts forwards path suggestions for China in its construction of internet-based consumer finance credit reporting system.