摘 要
随着互联网金融的迅猛发展，传统征信体系面临诸多挑战，如信息不对称加剧、信用风险扩大等，亟需构建适应互联网金融特点的征信法律制度。为此，本文旨在探讨完善互联网金融征信法律制度，以保障互联网金融健康稳定发展。通过对国内外相关法律法规及政策文件进行梳理分析，结合对多家互联网金融机构的实地调研与问卷调查，深入剖析当前我国互联网金融征信法律制度存在的问题，包括立法层级较低、监管协调机制不健全、个人信息保护不足等。研究发现，构建完善的互联网金融征信法律制度应从提升立法层级、强化部门间协作、加强个人信息保护等方面入手。创新性地提出建立统一的互联网金融征信平台，整合多源数据资源，实现信息共享；确立多元化的监管模式，明确各部门职责分工；完善个人信息保护机制，平衡信用信息公开与隐私权保护之间的关系。这不仅有助于防范化解互联网金融风险，还能为全球互联网金融征信法律制度建设提供有益借鉴。
关键词：互联网金融征信 法律制度完善 个人信息保护
Abstract
With the rapid development of Internet finance, the traditional credit reporting system faces numerous challenges such as exacerbated information asymmetry and expanded credit risks, necessitating the establishment of a credit reporting legal system that adapts to the characteristics of Internet finance. This study aims to explore the improvement of the legal system for credit reporting in Internet finance to ensure its healthy and stable development. By analyzing relevant laws, regulations, and policy documents both domestically and internationally, combined with field research and questionnaire surveys of multiple Internet financial institutions, this paper thoroughly examines existing issues within China's current Internet finance credit reporting legal system, including low legislative hierarchy, inadequate regulatory coordination mechanisms, and insufficient personal information protection. The findings suggest that constructing a comprehensive legal system for Internet finance credit reporting should focus on enhancing the legislative hierarchy, strengthening interdepartmental cooperation, and reinforcing personal information protection. Innovatively, this study proposes establishing a unified Internet finance credit reporting platform to integrate multi-source data resources and achieve information sharing; implementing a diversified regulatory model to clarify the responsibilities of each department; and improving personal information protection mechanisms to balance the relationship between credit information disclosure and privacy rights protection. These measures not only help prevent and mitigate risks in Internet finance but also provide valuable references for the construction of global Internet finance credit reporting legal systems.
Keyword:Internet Financial Credit Reporting Legal System Perfection Personal Information Protection
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与思路 1
2互联网金融征信法律制度基础理论 2
2.1互联网金融征信概念界定 2
2.2征信法律制度的基本原则 3
2.3互联网金融征信的特殊性分析 3
3当前互联网金融征信法律制度存在的问题 4
3.1法律法规体系不完善 4
3.2数据安全与隐私保护不足 4
3.3监管协调机制缺失 5
4完善互联网金融征信法律制度的建议 5
4.1构建完善的法律法规框架 6
4.2强化数据安全与隐私保护 6
4.3建立健全监管协调机制 7
结论 7
参考文献 9
致谢 10
随着互联网金融的迅猛发展，传统征信体系面临诸多挑战，如信息不对称加剧、信用风险扩大等，亟需构建适应互联网金融特点的征信法律制度。为此，本文旨在探讨完善互联网金融征信法律制度，以保障互联网金融健康稳定发展。通过对国内外相关法律法规及政策文件进行梳理分析，结合对多家互联网金融机构的实地调研与问卷调查，深入剖析当前我国互联网金融征信法律制度存在的问题，包括立法层级较低、监管协调机制不健全、个人信息保护不足等。研究发现，构建完善的互联网金融征信法律制度应从提升立法层级、强化部门间协作、加强个人信息保护等方面入手。创新性地提出建立统一的互联网金融征信平台，整合多源数据资源，实现信息共享；确立多元化的监管模式，明确各部门职责分工；完善个人信息保护机制，平衡信用信息公开与隐私权保护之间的关系。这不仅有助于防范化解互联网金融风险，还能为全球互联网金融征信法律制度建设提供有益借鉴。
关键词：互联网金融征信 法律制度完善 个人信息保护
Abstract
With the rapid development of Internet finance, the traditional credit reporting system faces numerous challenges such as exacerbated information asymmetry and expanded credit risks, necessitating the establishment of a credit reporting legal system that adapts to the characteristics of Internet finance. This study aims to explore the improvement of the legal system for credit reporting in Internet finance to ensure its healthy and stable development. By analyzing relevant laws, regulations, and policy documents both domestically and internationally, combined with field research and questionnaire surveys of multiple Internet financial institutions, this paper thoroughly examines existing issues within China's current Internet finance credit reporting legal system, including low legislative hierarchy, inadequate regulatory coordination mechanisms, and insufficient personal information protection. The findings suggest that constructing a comprehensive legal system for Internet finance credit reporting should focus on enhancing the legislative hierarchy, strengthening interdepartmental cooperation, and reinforcing personal information protection. Innovatively, this study proposes establishing a unified Internet finance credit reporting platform to integrate multi-source data resources and achieve information sharing; implementing a diversified regulatory model to clarify the responsibilities of each department; and improving personal information protection mechanisms to balance the relationship between credit information disclosure and privacy rights protection. These measures not only help prevent and mitigate risks in Internet finance but also provide valuable references for the construction of global Internet finance credit reporting legal systems.
Keyword:Internet Financial Credit Reporting Legal System Perfection Personal Information Protection
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与思路 1
2互联网金融征信法律制度基础理论 2
2.1互联网金融征信概念界定 2
2.2征信法律制度的基本原则 3
2.3互联网金融征信的特殊性分析 3
3当前互联网金融征信法律制度存在的问题 4
3.1法律法规体系不完善 4
3.2数据安全与隐私保护不足 4
3.3监管协调机制缺失 5
4完善互联网金融征信法律制度的建议 5
4.1构建完善的法律法规框架 6
4.2强化数据安全与隐私保护 6
4.3建立健全监管协调机制 7
结论 7
参考文献 9
致谢 10
