互联网时代中国征信体系的建设

发布时间：2018-02-15 15:42

本文关键词： 互联网中国征信体系建设　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：20世纪90年代以来兴起的以移动互联网、网络支付等为代表的互联网科技正在深刻地改变人类社会的形态,同时也深刻地改变传统的金融业态。在推进供给侧结构性改革的过程中,以互联网金融为代表的新兴金融业态在中国改革发展的过程中发挥着越来越重要的作用。在“互联网+”的大潮中,由于熟人社会向陌生人社会的这一转变,完善的社会征信体系对经济社会发展的影响尤为重要。征信已经成为互联网时代下,识别、防范、管控和化解风险的重要举措。与发达国家相比,我国社会征信体系建设仍在起步阶段,在机制建设、技术开发、行业发展等领域仍有不少差距。本文立足互联网视角,通过分析大数据、云计算、互联网+等现代征信建设的基础技术,借鉴美国、欧洲、日本、韩国等发达国家征信体系建设模式和经验做法,分析中国征信体系建设的现状与存在的问题;并结合中国特色发展模式,就互联网时代中国如何建设征信体系,提出政策建议。全文共分六章。第一章是导论,说明本文的研究背景和目的意义、国内外相关文献综述、研究思路和写作框架、主要创新点和不足。第二章是互联网时代对征信体系的影响,主要从互联网的发展和现状、互联网金融及行业发展模式以及互联网+大数据征信概况进行了介绍,综合分析了互联网征信与传统征信之间的差别。第三章是互联网时代中国征信体系的现状分析,重点分析互联网时代中国征信体系建设的背景和必要性,分析中国互联网征信体系建设现状以及存在的问题。第四章是互联网时代征信体系建设的国际经验,以美国、欧盟、日本以及韩国、印度为例,介绍了市场、政府主导型和行业共享型以及混合发展型征信体系发展模式,并通过比较分析提出经验启示。第五章是互联网时代中国征信体系创新对策和建议,综合我国国情和国外先进经验做法,围绕建立健全信息标准化体系、加强互联网征信行业监管、强化大数据条件下的信息安全监管、完善法律保障体系等方面提出创新对策和建议。第六章是结论。
[Abstract]:Since 1990s, Internet technology, represented by mobile Internet and network payment, is profoundly changing the shape of human society. At the same time, it also profoundly changes the traditional financial format. In the process of promoting supply-side structural reform, The emerging financial format, represented by Internet finance, is playing a more and more important role in the process of China's reform and development. In the spring tide of "Internet", due to the transformation from acquaintance society to stranger society, The impact of a sound social credit system on economic and social development is particularly important. Credit reporting has become an important measure to identify, guard against, control and defuse risks in the Internet age. Compared with developed countries, The construction of China's social credit system is still in its infancy, and there are still many gaps in the fields of mechanism construction, technology development, industry development and so on. This paper analyzes the current situation and existing problems of the construction of credit system in China based on the basic technology of modern credit system construction such as the Internet and other developed countries, such as the United States, Europe, Japan, South Korea and other developed countries. Combined with the development mode of Chinese characteristics, this paper puts forward some policy suggestions on how to construct credit system in China in the Internet era. The first chapter is an introduction, which explains the research background and purpose significance of this paper, and summarizes the relevant literature at home and abroad. The second chapter is the impact of the Internet era on the credit system, mainly from the development and current situation of the Internet. The development model of Internet finance and industry and the general situation of Internet big data credit system are introduced, and the differences between Internet credit reporting and traditional credit reporting are comprehensively analyzed. Chapter three is an analysis of the current situation of Chinese credit system in the Internet era. This paper analyzes the background and necessity of the construction of China's credit system in the Internet age, and analyzes the present situation and existing problems of the construction of China's Internet credit system. Chapter 4th is the international experience of the construction of the credit system in the Internet age, to the United States, the European Union, Japan, South Korea and India for example, introduced the market, government-led, industry-sharing and mixed development credit system development model, Chapter 5th is the innovation countermeasure and suggestion of Chinese credit information system in the Internet era, which synthesizes the national conditions of our country and the advanced experience and practice of foreign countries, and revolves around establishing and perfecting the information standardization system. This paper puts forward some innovative countermeasures and suggestions on strengthening the supervision of Internet credit information industry, strengthening the supervision of information security under the condition of big data, and perfecting the legal security system. Chapter 6th is the conclusion.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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