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在信息技术革命的催生下,分享经济对提高资源配置效率,推动供给侧结构性改革发挥着愈加重要的作用。随着分享经济的发展,相关主体失信违约行为日趋增多,产品与服务的品质也出现下滑。从线上信用机制在分享经济中的基础性作用入手,分析探索造成线上与线下信用信息脱节的原因主要是,线上信息与真实身份脱节,信用评价与实际交易脱节,信用监管与管束手段脱节。对此,应以大数据征信突破信用瓶颈,依托第三方征信整合信用信息,扩大信用监管联动,实施联合惩诫,加快信用监管的顶层设计。
Under the impetus of the information technology revolution, the sharing economy plays an even more important role in improving the efficiency of resource allocation and promoting the supply-side structural reform. With the development of the sharing economy, the related parties have been increasing their losses of trustworthiness and the quality of their products and services has also declined. Starting from the basic role of online credit mechanism in sharing economy, the reasons for the disconnection between online and offline credit information are analyzed and explored. The main reason is that the online information is out of touch with the real identity, the credit evaluation and actual transaction are out of line, the credit supervision and control Means out of touch. In this regard, we should make breakthroughs in credit bottlenecks by using big data credit information, relying on third-party credit information to integrate credit information, expand credit supervision and linkage, and implement top-level design of joint disciplinary and accelerated credit supervision.