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本报告对互联网金融的核心问题——征信进行相关研究。首先介绍互联网金融和征信的关系，回顾了国内外在这个领域的研究情况。征信发源于欧美，一些国际知名征信机构在促进国外互联网金融创新和发展方面起了重要的作用，所以本报告也阐述了国际征信业的进展及其在互联网金融方面的实务。同时国外一些互联网金融创新企业在信用风险方面的积极尝试也值得国内快速发展的互联网金融企业参考。最后，本报告对国内互联网金融的征信现状进行了简单剖析，并就如何进一步完善互联网金融的征信体系进行了相关的讨论。
<<As credit reference system is one of the key issues for internet finance，we carry out the related research. First，the relation between internet finance and credit reference system is introduced，and the research work in this field is overviewed. Second，we talk about the progress of the credit reference business all over the world and the relevant work in the internet finance since credit reference originates from western world and some renowned credit bureaus have played a big role in promoting the innovation and development of internet finance. Third，the initiative practice about credit risk management by some internet finance enterprises abroad is a good example for the booming internet finance in China. Last but not least，we analyze the current credit reference situation of domestic internet finance，and discuss how to build the credit reference system for internet finance.
<<| Keywords： | Big DataCredit Risk ManagementData MiningCredit Reference SystemCredit BureauCredit Scoring |
