融入区块链技术的大数据征信平台的设计与应用研究  

Design and Application of Big Data Credit Reporting Platform Integrating Blockchain Technology

作　　者：琚春华[1,2] 邹江波[1,3] 傅小康[1,2] JU Chun-hua;ZOU Jiang-bo;FU Xiao-kang(School of E-commerce&Management Science,Zhejiang Gongshang University,Hangzhou 310018,China;School of Management,Zhejiang Gongshang University,Hangzhou 310018,China;Center for Studies of Modern Business,Zhejiang Gongshang University,Hangzhou 310000,China)

机构地区：[1]浙江工商大学管工学院,杭州310018 [2]浙江工商大学现代商贸研究中心,杭州310000 [3]浙江工商大学管理学院,杭州310018

出　　处：《计算机科学》2018年第B11期522-526,552,共6页Computer Science

基　　金：国家自然科学基金项目(71571162);国家科技支撑计划基金项目(2012BAI34B01-5);浙江省自然科学基金资助项目(LY14F020002);教育部人文社会科学重点研究基地基金项目(14JJD630011)资助

摘　　要：信用是一笔无形资产,良好的信用记录不仅可以带来更高的借款成功率和更低的借款利率,还可以让人们享受信用服务带来的便利。未来信用红利将会突显,但也伴随着个人隐私泄露、信用数据篡改、大数据征信商业化的合法边界不明确等问题。为营造一个良性的互联网信用生态环境,首先总结了现有征信平台中存在的问题,探讨并分析了采用新兴技术解决这些问题的可行性;然后融入区块链技术设计了一种辅助未来征信系统的多源数据共享框架;接着以区块链的多源数据共享为基础,应用人工智能、数据挖掘、智能合约等方法建立了多源异构数据融合的大数据征信平台;最后以互联网借贷为例,设计了一款基于大数据征信平台的去中心化借贷应用。Credit is an intangible asset.Good credit record can not only bring a higher loan success rate,a lower borrowing rate,but also can make people enjoy the convenience brought by credit services.In the future,credit bonus will be highlighted,but it is also accompanied by problems,such as leakage of personal privacy,alteration of credit data,and unclear legal borders for the commercialization of big data credits.In order to create a healthy Internet credit ecological environment,this paper first summarized the existing problems in the existing credit information platform,discussed and analyzed the feasibility of adopting emerging technologies to solve these problems,and then incorporated a blockchain technology to design a kind of multi-source data sharing framework for supporting future credit reference system.Based on the multi-source data sharing of blockchains,a big data credit platform of multi-source heterogeneous data fusion was established using artificial intelligence,data mining,and smart contracts.Taking internet lending as an example,a decentralized lending application based on the big data credit platform was designed.

关 键 词：区块链 信用生态 大数据征信 数据共享 多源数据融合 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]