What are the innovations in studying the scientific basis of personal credit reporting?

Big data can provide more comprehensive and accurate information for the establishment of personal credit information system, thus providing accurate and comprehensive information for relevant demanders. At the same time, we can constantly improve the personal credit information mode, credit information system and credit information method, and realize the big data credit information in the Internet era, thus continuously promoting the development of China's credit information system. At present, with the development of society, great changes have taken place in all walks of life in China. Especially in the Internet era, it has a great impact on China's traditional financial industry. At present, Internet finance has become a new commanding height in the financial field. However, compared with this, the current construction of personal credit obviously lags behind the development of internet finance, and the Internet era has put forward higher requirements for personal credit investigation in China. Therefore, it is necessary to strengthen the construction of personal credit information. This paper mainly studies and analyzes the present situation of personal credit information system in China, and analyzes the advantages of establishing personal credit information system under the background of Internet. In order to better improve China's personal credit system.

First, the concept of personal credit information

This paper mainly studies the personal credit investigation. The so-called personal credit investigation means that within the scope permitted by law, personal credit investigation agencies collect personal credit data and process them according to law, thus forming a certain standardized credit evaluation result and providing it to credit demanders. Generally speaking, personal credit information mainly comes from the basic information of individuals and family members; Personal credit records and information on opening settlement accounts; Personal public security records and official integrity records, and so on.

Second, China's personal credit information system development status

(A) China personal credit market development scale

At present, China's market-oriented credit reporting agencies have gradually emerged, but the main body of personal credit is still the central bank's credit reporting system. The central bank is the core of the credit information market, which has also developed rapidly in recent years. According to the China Personal Credit Information Industry Report released by Boston Consulting Group, the types of institutions with large business volume in the personal credit information system of the central bank are various commercial banks and consumer finance companies. Usually, the data of personal credit investigation are mainly based on credit card records, loan ratio and public account records. The records in the so-called WeChat official account mainly include personal auxiliary information such as provident fund deposit, social security, telecommunications and taxation. At present, the development scale of China's personal credit information market is gradually expanding.

(B) the development trend of personal credit in China

Under the background of Internet, great changes have taken place in China's personal credit information market, which puts forward higher requirements for the establishment of personal credit information system. China's traditional credit information system is far from meeting people's demand for credit information. In order to meet people's diverse needs for personal credit reporting, it is necessary to reform and improve the personal credit reporting system. With China's market-oriented reform and the development of the Internet, the market-oriented credit information system has been gradually established, especially the emerging Internet enterprises represented by BAT, which have gradually established and improved their own personal credit information system in just a few years. Take anyone who uses the BAT network as the object of his credit information, and use big data analysis to investigate this person's online records, so as to better develop his own business. In the new era, the marketization of China's credit information system has gradually become the mainstream of social development.

Third, the advantages of establishing China's personal credit information system under the background of the Internet.

(A) the combination of personal credit information system and the Internet reform and innovation.

With the rapid development of social economy, the globalization of the world economy is accelerating. With the rapid development of science and technology, countries have laid out their own industrial development, especially the Internet industry. With the continuous breakthrough of network technology and the maturity and application of mobile network technology, people's lifestyle has undergone tremendous changes. From 3G network to 4G network, the development of electronic products and networks is a revolutionary breakthrough. With the rapid development of communication and Internet, the traditional personal credit information system can no longer meet the requirements of current social development. For the traditional personal credit information system, it only records the personal credit information of people with credit records, and then inputs this information into China's personal credit information system, but this information has not been widely used. At the same time, the traditional personal credit information can no longer meet the needs of the development of modern society in terms of information collection and popularization. In particular, the Internet finance industry is very important for personal credit reporting. Therefore, with the rapid development of the Internet and the popularity of mobile networks, it is necessary to combine the personal credit information system with the Internet and establish a new personal credit information system that conforms to the development of modern society, so as to better promote the development of Internet finance and the breakthrough of personal credit information in China. Therefore, whether in China or other developed countries or regions, the personal credit information system is constantly being reformed and innovated. Based on the Internet, a new personal credit information system is established by using big data technology to analyze data, which has high efficiency and wide coverage and meets all the conditions for the construction of personal credit information system.

For the personal credit information system established by internet technology, the foundation of its construction is network data. Then use big data technology to model and analyze these data and score personal credit information, and deal with complex data through internet technology, which not only improves work efficiency, but also establishes a reasonable personal credit information evaluation system. To some extent, the Internet personal credit information system is basically the same as the big data personal credit information system. The Internet age is a data age, and there are huge amounts of data stored on the network. Big data analyzes these data, and personal credit information is to use this information to establish a scientific and reasonable credit system. Big data is the information technology to solve this problem.

(B) The use of Internet technology can effectively solve the problem of incomplete personal credit information.

With the rapid development of Internet technology and the popularization of mobile network technology, the traditional personal credit investigation method has become increasingly out of step with the development of the times, and the information is incomplete, and the development of the Internet can just solve this problem. First of all, the Internet has become popular and almost everyone is using it. Personal information on the Internet is complete and the data is timely. Second, there is a huge amount of data on the network, and the information can be well modeled and analyzed by using big data analysis, and the integrity and authenticity of the analysis results are relatively high.

(C) The coupling strength of "internet plus Personal Credit Information System" determines the comprehensive benefits of modern personal credit information system.

The arrival of the Internet era has put forward new requirements for China's personal credit information system, but it is not to completely deny the traditional personal credit information system, but to upgrade and improve the traditional personal credit information system. Therefore, the development of "Personal Credit Investigation in internet plus" is a long process, and there will be a problem of development progress and upgrading degree. The higher the degree of development and transformation of "Internet plus personal credit investigation", the greater the degree of mutual cooperation and influence between them, that is, the stronger the coupling strength. This coupling degree determines the comprehensive benefits of the personal credit information system.

First, the coupling degree of "Internet plus personal credit information" will have an impact on the evaluation efficiency and results of personal credit information. In China's market economy, the development of finance depends on the control of risks, and the key to control financial risks is personal credit reporting, because the higher the coupling degree, the more perfect the personal credit reporting system and the more effective the evaluation of personal credit reporting. It is beneficial to reduce the risk of financial development, promote the development of financial market, and thus improve the economic benefits of personal credit information system as a whole.

Secondly, the coupling degree of "Internet plus personal credit information" will also have a direct impact on the social benefits of personal credit information. In the construction of social credit system, the development of personal credit information system is an important link. Therefore, the personal credit information system should also conform to the trend of the Internet era and strengthen the application of big data. The integration of "Internet plus personal credit information" can not only improve personal credit information, but also promote the construction of personal credit information, thus accelerating the credit construction of our society. It can be seen that the coupling degree between Internet and personal credit information is directly related to the comprehensive benefits of personal credit information system.

(4) The application of Internet technology is a new opportunity to transform and upgrade the traditional credit investigation mode.

With the appearance of the Internet, the personal credit information system is not enough to meet the current development of credit information construction. The Internet finance industry urgently needs to break through the bottleneck and needs to innovate the personal credit information model. Internet and big data have brought new opportunities for the development of personal credit model, breaking the traditional background of personal credit model. Instead of focusing only on credit information data related to strong credit, they began to pay attention to and introduce massive social behavior information, online payment information and internet financial business information mainly based on weak credit data. Therefore, under the background of Internet, we should innovate our personal credit information model, make full use of big data and realize the establishment of a new model.

Four. conclusion

To sum up, the arrival of the Internet has brought opportunities for the establishment of personal credit information system. Big data can provide more comprehensive and accurate information for the establishment of personal credit information system, thus providing accurate and comprehensive information for relevant demanders. At the same time, we can constantly improve the personal credit information mode, credit information system and credit information method, and realize the big data credit information in the Internet era, thus continuously promoting the development of China's credit information system.