摘  要：借助数据分析、总结归纳和案例分析，本文探讨了第三方支付平台信贷的兴起、发展、特点优势及不足，分析了第三方支付平台信贷对金融征信业的影响表现在促进金融征信业自身改革、改善金融征信市场信息不对称情况、冲击银行在金融征信中的垄断地位、打破传统征信下信息共享的囚徒困境以及促进央行对征信系统制度的修改和重构。再通过支付宝“蚂蚁花呗”的案例分析其平台信贷操作的运营模式、征信依据。文章认为需建立涵盖互联网征信和传统金融正信的以央行为主导的国家信用体系，完善征信行业信息共享机制，加强个人信用信息保护和监管，加快建立失信惩戒机制。89769

毕业论文关键词：第三方支付平台信贷；金融征信；互联网征信；蚂蚁花呗

The third party payment platform, research on the influence of the financial credit reporting industry credit development

—— "Ants spend bai", for example

 Abstract: This paper explores the rise, development, characteristic advantages and shortcomings of the third party payment platform credit by means of data analysis, summarization and case analysis。 It analyzes the influence of the third party payment platform credit on the financial credit industry in promoting the financial credit industry itself Reform, improve the information asymmetry of the financial information market, impact the bank's monopoly position in the financial credit, break the prisoners' dilemma of information sharing under the traditional credit information, and promote the central bank's revision and reconstruction of the credit system system。 And then through the payment of "ants chanting" case analysis of its platform credit operation mode of operation, credit basis。 The article holds that it is necessary to establish a national credit system which is dominated by the central bank to cover the Internet credit information and traditional financial letter, perfect the information sharing mechanism of the credit information industry, strengthen the protection and supervision of personal credit information, and speed up the establishment of the system of dishonesty。

Key words: Third party payment platform credit; financial credit; internet credit; ant flower 

目  录

一、绪论 4

（一）研究背景 4

（二）研究意义 4

（三）研究对象 5

二、第三方支付平台信贷的现状 5

（一）第三方支付平台信贷兴起的原因源Q于W优E尔A论S文R网wwW.yOueRw.com 原文+QQ75201,8766 、发展历程 5

（二）第三方支付平台信贷的优势所在 6

（三）第三方支付平台信贷存在的漏洞 7

三、 第三方支付平台信贷对金融征信业的影响 7

四、“蚂蚁花呗”操作模式分析 10

（一）蚂蚁花呗的定义、特征概述 10

（二）蚂蚁花呗的业务流程及运作模式分析 10

（三）蚂蚁花呗的征信依据来源 11

（四）蚂蚁花呗所面临的问题 11

五、结论与建议 12

（一）结论 12

（二）建议 12

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