| 区块链:一种新的征信视角与技术架构 |
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| 引用本文： | 刘新海,贾红宇,韩晓亮. 区块链:一种新的征信视角与技术架构[J]. 征信, 2020, 38(4): 13-21. DOI: 10.3969/j.issn.1674-747X.2020.04.004 |
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| 作者姓名： | 刘新海 贾红宇 韩晓亮 |
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| 作者单位： | 中国并购公会信用管理专业委员会,北京100033;北京大学金融智能研究中心,北京100871,中国并购公会信用管理专业委员会,北京100033,中国科学院大学经济与管理学院,北京100049 |
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| 基金项目： | 财政部世界银行贷款中国经济改革促进与能力加强项目;国家发展改革委财金司项目 |
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| 摘 要： | 区块链是未来信息技术的一个重要方向,区块链技术和征信系统的结合是全球的研发热点.阐述征信的概念、信息技术在征信业发展过程中的作用以及征信市场的痛点,提出新技术背景下面临的挑战.为使区块链技术与征信更有效地结合,回顾区块链的产生、发展背景,对“初级版本”区块链和普通意义上的区块链进行详细解析,逐步发现区块链对构建一种新的...
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| 关 键 词： | 区块链 征信 个人信息 分布式账本 信用评分 |
Blockchain: A New Perspective and Technical Architecture for Credit Reporting |
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| Liu Xinhai,Jia Hongyu,Han Xiaoliang. Blockchain: A New Perspective and Technical Architecture for Credit Reporting[J]. Journal of Henan College of Financial Management Cadres, 2020, 38(4): 13-21. DOI: 10.3969/j.issn.1674-747X.2020.04.004 |
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| Authors: | Liu Xinhai Jia Hongyu Han Xiaoliang |
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| Affiliation: | (Special Committee on Credit Management,China Mergers&Acquisitions Association,Beijing 100033,China;Research Center for Financial Intelligence,Peking University,Beijing 100871,China;School of Economics and Management,University of Chinese Academy of Sciences,Beijing 100049,China) |
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| Abstract: | Blockchain is an important direction of the future information technology and the combination of blockchain technology and credit reporting system is a hotspot of the global research and development.This article puts forward challenges facing the credit reporting industry against the background of new technology by elaborating the concept of credit reporting,the role of information technology in the development of credit reporting industry,and the pain points of the credit reporting market.In order to realize the effective integration of blockchain technology and credit reporting,it reviews the birth and developing background of blockchain,and analyzes in detail blockchain of the elementary edition and blockchain in the ordinary sense.It explains the importance of blockchain in constructing a new credit reporting perspective and argues that blockchain technology and credit reporting should be integrated more effectively.Blockchain can also provide technical architecture for the traditional credit reporting system.Out of tolerance for new technologies,this article puts forward policy suggestions for the regulation of blockchain and reflects on the prospect of its application. |
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| Keywords: | blockchain credit reporting personal information distributed ledger credit scoring |
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