互联网时代我国个人征信系统创新模式研究

发布时间：2018-03-04 13:29

本文选题：大数据　切入点：个人征信　出处：《河北经贸大学》2017年硕士论文　论文类型：学位论文

【摘要】：伴随着互联网的发展,我国的传统行业都或大或小的发生了新的变化。在这其中,互联网时代的到来给我国传统金融业带来的变革最让人印象深刻。目前,互联网金融的发展十分迅速,已经成为金融领域新的制高点,与其相比,目前的信用建设明显滞后。互联网金融的发展对我国的个人征信建设提出了新的要求,加强个人征信方面的建设便迫在眉睫。互联网时代下,各种尖端的互联网技术层出不穷。一些新兴的互联网企业突破传统思维并顺应时代潮流,将大数据和云计算技术应用了到个人征信领域,实现了互联网大数据征信。与我国央行征信系统相比,互联网征信虽仍然处于初级发展阶段,但是这种新的征信模式给经济新常态下我国个人征信系统的建设提供了一个崭新的思路,这也是本文所研究的核心问题。论文分为五章:第一章是绪论,主要介绍了论文的研究背景、文献综述、研究思路和创新点;第二章是相关理论介绍,主要界定清楚征信与个人征信、征信体系与个人征信体系、“互联网+个人征信”的耦合等关键概念,并指出核心观点提出的理论依据为交易成本理论和信息不对称理论;第三章主要是对国内外传统个人征信模式进行了分析,通过分析总结出了其缺陷,主要有过于狭窄的征信数据范畴、时效性较差的信用信息和较弱的数据加工和处理能力等三个方面;第五章创造性地提出了我国现代个人征信系统的创新模式——“央行主导下的多系统融合与信息共享”,并设计出了该模式的基本框架,即“一个中心,三个子系统,全覆盖监管”,同时指出当前建设该模式的主要制约因素是法规不健全、定位不清、信息保护机制不完善和征信标准化落后等,最后提出个人的对策建议。总的来说,本文以“互联网+”的时代热潮为切入点,通过对国内外传统个人征信模式的分析,在开创性地研究“互联网+个人征信”耦合关系的基础上,具体分析了如何将互联网大数据信息与传统征信模式相结合,设计出了融合互联网技术的现代个人征信新模式,对进一步完善我国的现代个人征信体系理论研究和实践探索尽了微薄之力。
[Abstract]:With the development of the Internet, the traditional industries of our country have undergone new changes, big or small. Among them, the arrival of the Internet era has brought the most impressive changes to the traditional financial industry of our country. At present, The development of Internet finance is very fast and has become a new commanding point in the field of finance. Compared with the current credit construction, the development of Internet finance has put forward new requirements for the construction of personal credit information in our country. It is urgent to strengthen the construction of personal credit information. In the Internet age, a variety of cutting-edge Internet technologies emerge in endlessly. Some new Internet enterprises break through traditional thinking and conform to the trend of the times. Big data and cloud computing technologies have been applied to the field of personal credit reporting, and the Internet credit gathering has been realized. Compared with the credit reporting system of the Central Bank of China, Internet credit reporting is still in the primary stage of development. However, this new credit model provides a new way of thinking for the construction of personal credit system in China under the new economic normal, which is also the core problem of this paper. The thesis is divided into five chapters: the first chapter is the introduction. This paper mainly introduces the research background, literature review, research ideas and innovation points. The key concepts of credit system and personal credit system, the coupling of Internet personal credit system and so on are pointed out, and the theoretical basis of the core viewpoint is based on transaction cost theory and information asymmetry theory. The third chapter mainly analyzes the traditional personal credit model at home and abroad, and summarizes its defects, which are mainly too narrow credit data category. Poor timeliness of credit information and weak data processing and processing capacity in three aspects; Chapter 5th creatively puts forward the innovation mode of modern personal credit system in China, that is, "Multi-system Fusion and Information sharing under the guidance of the Central Bank", and designs the basic framework of this model, that is, "one center, three subsystems". At the same time, it is pointed out that the main restrictive factors in the current construction of this model are imperfect laws and regulations, unclear positioning, imperfect information protection mechanism and backward credit information standardization, etc. Finally, the author puts forward personal countermeasures and suggestions. This article takes the era upsurge of "Internet" as the breakthrough point, through the analysis of the traditional personal credit model at home and abroad, on the basis of the groundbreaking research on the coupling relationship of "Internet personal credit". This paper analyzes how to combine Internet big data information with traditional credit information model, and designs a new model of modern personal credit reporting, which integrates Internet technology. It makes a modest contribution to the theoretical research and practical exploration of the modern personal credit system in China.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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