区块链技术在征信领域应用探究  

On the Application of Blockchain Technology in the Credit Reporting Industry

作　　者：解黎 姚世坤[2] Xie Li;Yao Shikun(Hefei Central Sub-branch of the People’s Bank of China,Hefei 230000,Anhui,China;Maanshan Central Sub-branch of the People’s Bank of China,Maanshan 243000,Anhui,China)

机构地区：[1]中国人民银行合肥中心支行,安徽合肥230000 [2]中国人民银行马鞍山市中心支行,安徽马鞍山243000

出　　处：《征信》2018年第8期26-30,共5页Credit Reference

摘　　要：传统征信中心化模型存在二次数据展现、数据维度不足和利己主义盛行等弊端,区块链技术则具有信用信息具体化、安全性、"去中介"交易和打通数据"孤岛"等明显优势。但在目前监管框架内,区块链征信将面临无监管问题。因此,设想创建"中心授权代理"模型,将"去中心化"模型与"中心化"模型有机组合起来,从而构建一个有监管架构的征信区块链市场环境。The centralized model of the traditional credit reporting has the disadvantages of displaying secondary data,lack of dimensions in data demonstration,and the prevailing of egoism,etc.By contrast,the blockchain technology has the marked advantages of specific demonstration and security of credit information,“dis-intermediation”transactions and connecting the information“isolated islands”,etc.Nonetheless,the blockchain credit reporting is faced with the problem of having no regulation within the current regulation framework.Thus,this article attempts to conceive the construction of a centralized,authorized agent model which combines the decentralized model and the centralized model,then creating a market environment with a regulation framework for blockchain credit reporting.

关 键 词：区块链技术 征信 监管架构 去中心化 

分 类 号：F832.31[经济管理—金融学]