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网络借贷在推动普惠金融的同时,其中的信用风险越来越多地暴露在公众面前,引发一系列的争论和质疑。本文从网络借贷的资金需求方入手分析,将网络借贷产生的信用风险归为个人信用问题,而个人信用管理体系对于信用风险防范和管控具有至关重要的作用。本文围绕信用管理体系,回归梳理了法律监管、信用征信建设、信用评估、贷后风险管理四个环节的具体内容和网络借贷背景下相应环节的研究现状,并认为大数据征信、动态评分模型研发和大数据贷后风险管控将会是未来研究方向。
Internet loans in promoting the inclusive finance at the same time, one of the credit risks more and more exposed to the public, triggering a series of controversial and questioned. This paper starts from the capital demand side of internet loans, and classifies the credit risk arising from internet loans as the personal credit problem. Personal credit management system plays an important role in preventing and controlling credit risk. Based on the credit management system, the paper reviews the four aspects of legal supervision, credit rating, credit evaluation, and post-loan risk management, as well as the status quo of the corresponding links in the context of online lending. It also considers that big data credit rating, dynamic rating Model research and development and big data post-loan risk control will be the future research direction.