我国互联网信用体系建设的策略研究——基于中国人民银行征信平台的视角

随着互联网的蓬勃发展,网络购物、网上支付、虚拟货币、在线预订等网络商务活动方兴未艾。与此同时,网络诚信和安全也成为制约网民进行网上交易的关键。目前,我国互联网信用体系建设仍处于起步阶段,从职责、技术、资源节约等方面考虑,可尝试利用中国人民银行的征信系统,扩大互联网上支付信息的采集范围,建设互联网上的信用信息通用平台,构建我国网络信用体系。

Study on Strategy for Construction of Internet Credit System in China——Based on the Perspective of the People's Bank of China Credit Investigation Platform

With the vigorous development of Internet, online shopping, online payments, virtual currency, online booking and other network business are in the ascendant. At the same time, network integrity and security has become the key to restriction of Internet users＇ online transactions. At present, construction of the Internet credit system in China is still in its infancy. Taking such factors as responsibility, technology, resource conservation, etc. into consideration, the PBOC＇s credit investigation system can be used on a trial basis, expanding the scope of payment information - collection on the Internet, constructing general credit information platform on the Intemet so as to build network of credit system in China.