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1、互联网金融征信信息共享监管法律制度研究网金融征信信息共享监管法律制度的法学基础。第三部分对我国互联网金融征信信息共享监管法律制度的现状及存在的问题进行了考察和总结。本部分从互联网金融征信信息共享标准化、互联网金融征信信息共享主体、征信信息共享中隐私权保护以及征信信息共享中的失信惩戒四个方面阐述了我国互联网金融征信信息共享监管法律制度的现状及存在的问题。第四部分在前文基础上，根据我国互联网金融发展的需要，提出了完善我国互联网金融征信信息共享监管法律制度的路径。具体包括：完善征信信息共享标准化制度；完善征信信息共享主体制度；完善征信信息共享隐私权保护制度；完善征信信息共享失信惩戒
2、制度等。关键词：互联网金融；征信信息；信息共享；监管制度；隐私权；失信惩戒2万方数据互联网金融征信信息共享监管法律制度研究AbstractInNovember2013,theThirdPlenumof18thCPCCentralCommitteeisheld,puttingforwardtodevelopinclusivefinance,encouragingfinancialinnovationofthefinancialmodel.Withthedevelopmentofelectroniccommerce,theP2Pnetloan,third-partypayment
3、platform,mobilephonebankloan,andcongregationraisedpattern,whichrepresentedtheInternetfinancebegantoappear.Infact,creditisthecoreofthedevelopmentofInternetfinance.China'sInternetfinancegavebirthtoanincreasinglyrichanddiversifiedcreditdemandintherapiddevelopment.However,theinformationsharingo
4、fInternetfinancialenterprisesandthepeople'sBankofChinahasnotbeenfullyrealized.Theabsenceoflawandtheexistenceofregulatoryblindspots,leadingtothedifficultyoftheInternetfinancialcreditinformationstandards,theinformationsharingintheprocessofconsumersofpersonalprivacyisdifficulttoprotect,differe
5、ntInternetcompanieswouldnotliketosharetheinformationanditisdifficulttoachievedishonestydisciplinarymeasurestothedishonestycompaniesandconsumers.ThishasseriouslyhinderedthedevelopmentofInternetfinance,whichisbasedoncredit,andtheresultingpotentialrisksandregulatoryissuesshouldnotbeignored.The
6、Internetfinancialcreditinformationsharingsystem,willeffectivelycracktheproblemofInternetbankingcreditinformation,effectivelyreducetheadverseselectionandmoralhazardcausedbytheasymmetricinformation,andcrackthefinancingproblemsofsmallandmicroenterprises.Therefore,basedonthetransactioncosttheor
7、y,asymmetricinformationtheoryandgametheory,thispaperstudiesthelegislationandpracticeofInternetfinancialinformationsharinginChina,combinedwithChina'sactualsituation,throughimprovingthestandardofInternetfinancialcredit,strengtheningtheprotectionofprivateri
