完善第三方支付征信平台 促进网络信贷发展

近年来，随着我国网络信贷行业的快速发展，网络信用风险日益凸显。第三方支付平台，凭借其独特的流程设计和相对完善的信用评价机制，掌握着各种网络交易信息。完善第三方支付征信平台，不仅有助于我国征信体系建设向广度和深度拓展，同时可以促进网络信贷市场健康有序发展。建立KMRW声誉模型，探讨不完全信息动态博弈过程中第三方支付征信平台支持网络信贷的发展模式，并以支付宝为例分析认为，完善第三方支付征信平台，可以降低信贷风险，增加信贷规模，延长信贷期限，增加社会福利，促进网络信贷的发展。

Consummating Third-party Payment Credit Reference Platform to Promote Online Credit Development

In recent years, with the rapid development of China＇s online credit industry, online credit risk has be- come increasingly prominent. The third-party payment platform, with its unique procedure design and relatively sound credit evaluation mechanism, holds a variety of network transaction information. Consummating the credit reference platform for third-party payment not only helps to expand credit reference system in China in breadth and depth horizon, but also promotes the healthy and orderly development of network credit markets. By establishing KMRW reputation model to explore the development model of the third-party payment credit reference platform sup- porting network credit during a dynamic game with incomplete information, taking Alipay as an example, an analysis is made, and it＇ s found that a perfect third-party payment credit reference platform can reduce credit risk, increase the size of credit, extend the credit period, increase social welfare, and promote the development of network credit.