Research on Credit Regulation in the Platform Economy in the Era of the Digital Economy

In the era of the digital economy, strengthening credit regulation in the platform economy is a crucial force in enhancing the governance system of the digital economy and promoting its high-quality development. Simultaneously, it represents a vital aspect of modernizing market supervision in the digital economy. Currently, credit regulation in the platform economy faces challenges such as platform companies illegally obtaining user data, the misuse of algorithmic technologies, and shortcomings in the judiciary’s credit supervision, including regulatory lag and insufficient digitalization. The effectiveness of regulation awaits enhancement. With the rapid development of the digital economy, reinforcing credit regulation in the platform economy requires platforms to enhance their self-regulation to advance their own credit-building capacity. It also demands regulatory authorities to strengthen their digital monitoring capabilities to improve regulatory efficiency. Furthermore, it necessitates the active involvement of various regulatory forces such as industry self-discipline, third-party credit service agencies, and public participation to promote the formation of a new pattern of diversified governance.