文献类型：期刊文献

中文题名：金融创新、金融科技与互联网金融征信

英文题名：On Financial Innovation,Financial Technology and Internet Finance Credit Reporting

作者：刘桂荣[1]

机构：[1]华东理工大学商学院,上海200237

年份：2018

卷号：36

期号：2

起止页码：16

中文期刊名：征信

外文期刊名：Credit Reference

收录：北大核心:【北大核心2017】；

基金：上海市教育科学研究项目(C17120)

语种：中文

中文关键词：金融创新;互联网金融;金融科技;互联网金融征信体系

外文关键词：financial innovation; internet finance; financial technology; internet finance credit reporting system

摘要：互联网金融是中国金融发展史上影响最大的金融创新,中国在金融科技领域已具有后发优势。金融创新和金融科技使得金融风险具有叠加效应和累积效应,褒扬诚信、惩戒失信、建立健全互联网金融征信势在必行。根据互联网金融征信的特点,应加强征信宣传教育,尽快制定金融数据标准,建立健全相关法律法规,完善征信机构体系,建立数据信息互联互通机制,创新开发互联网金融征信评估技术和评估模型等,以建立健全互联网金融征信体系,确保互联网金融的健康发展。
Internet finance is a kind of financial innovation with unprecedented influence in China＇ s financial development history and China has the late-mover advantage in the field of financial technology. Financial innovation and financialtechnology make financial risk demonstrate the pile-up and accumulation effect, which makes it imperative to praise integrity, punish dishonesty, and construct and perfect internet finance credit reporting system. According to the characteristics of intemet finance credit reporting, we should reinforce the publicity and education of credit reporting, formulate the standard of financial data as soon as possible, introduce and perfect relevant laws and regulations, improve the system of credit reporting agencies, construct the inter-connected mechanism for information and data, and innovate the development of evaluation technologies and models for internet finance credit reporting, so as to establisha perfect internet finance credit reporting system and ensure the sound development of internet finance.