中国互联网金融征信的二维思考——基于经济学与法学视角

发布时间：2018-06-12 16:03

本文选题：互联网金融征信 + 信息不对称　；参考：《哈尔滨工业大学学报(社会科学版)》2017年06期

【摘要】：征信通过信息的采集、整理、保存、加工以及提供,满足社会对信用信息的需求,已经成为国家重要的基础设施。互联网金融是传统金融与现代信息技术的深度融合,然而互联网金融信用信息却尚未纳入征信体系。目前网络诚信缺失问题日益凸显,背信失信事件频频发生,应当建立起互联网金融征信制度。互联网金融征信是互联网金融发展的必然要求,也是征信制度对网络信息时代的回应。互联网金融征信制度有利于减少信息不对称,避免逆向选择与败德行为;降低交易成本,提高交易效率;加强个人信息保护,平衡个体利益与公共利益;推进社会信用体系建设,形成良好的互联网信用环境;维护网络空间安全,保证征信服务的安全性。
[Abstract]:Credit information collection, collation, preservation, processing and provision, to meet the needs of the society for credit information, has become an important infrastructure of the country. Internet finance is a deep fusion of traditional finance and modern information technology, but the credit information of Internet finance has not been brought into the credit system. At present, the problem of lack of network honesty is becoming more and more prominent, and breach of trust occurs frequently. Therefore, Internet financial credit system should be established. Internet financial information is the inevitable requirement of the development of internet finance, and it is also the response of credit system to the era of network information. Internet financial credit system helps to reduce information asymmetry, avoid adverse selection and moral behavior, reduce transaction costs, improve transaction efficiency, strengthen personal information protection, balance individual interests and public interests. To promote the construction of social credit system, to form a good Internet credit environment, to maintain the security of cyberspace and to ensure the security of credit information services.
【作者单位】：哈尔滨工业大学人文社科与法学学院;
【基金】：教育部人文社会科学研究青年基金项目“征信领域金融消费者权益保护研究”(15YJC820059) 黑龙江省哲学社会科学研究规划项目“我国存款保险制度法律问题研究”(14E006)
【分类号】：D922.28

【相似文献】