中国互联网金融快速发展，发挥数字技术和普惠金融优势，成为传统金融体系的有效补充，同时对个人征信体系提出新的要求。本书从中国现有的个人征信体系出发，分析互联网金融时代背景下中国个人征信市场的发展问题和机遇，同时借鉴发达国家征信体系的发展经验，深入探讨中国如何建立兼顾效率和普惠性，同时能够满足互联网金融发展需求的新一代个人征信体系。

The rapid development of China's Internet finance, giving full play to the advantages of digital technology and inclusive finance, has become an effective supplement to the traditional financial system, and at the same time puts forward new requirements for the personal credit system. Starting from China's existing personal credit system, this book analyzes the development problems and opportunities of China's personal credit investigation market in the era of Internet finance, and draws on the development experience of credit investigation systems in developed countries to deeply discuss how China can establish a new generation of personal credit system that takes into account efficiency and inclusiveness and can meet the development needs of Internet finance.（AI翻译）

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