中文摘要：

诸多行业、企业对信用变现产生价值的极大需求预示着征信2．0时代即将到来，营造良好健康的互联网信用产业发展环境急需打造有机的互联网信用生态系统，为社会经济的平稳发展提供有力支撑。以自然生态学、种群生态学为研究视角，通过对互联网信用生态系统的剖析，归纳出互联网生态系统中的生态角色划分与种群类别，以及种群在生态系统中扮演的角色、职能。在此基础上，总结出良性互联网信用生态系统应具备开放、协同、创新、动态平衡四个关键特征，指出各个组成要素之间只有相互配合、协同共治，才能使生态体系不断朝着开放性、协同性、创新性和动态平衡性的方向演化升级。

英文摘要：

That the huge demand of many industries and enterprises for credit producing value indicates that credit raporting 2.0 is forthcoming; it＇ s urgently necessary for creating a good, healthy Internet credit industry development environment to build an Intemet credit ecosystem, which provides strong support for stable social and economic development. From the perspective of natural ecology and population ecology, through the analysis on Internat credit ecosystem,the paper sums up the role classification of ecological and population category in the Interaet ecosystem and the role and functions that the population play in ecosystems. Hence, the paper summarizes the four key characteristics that benign ecological Internet credit system should own, i. e. openness, collaboration,innovation and dynamic balance,and states that the various elements of mutual coordination and cooperation can make the eclogical system continuously step toward the direction of openness, collaboration, innovation and dynamic balance.