区块链技术应用于个人征信制度研究  

Research on the Application of Block Chain Technology to Personal Credit Reporting System

作　　者：彭麟添 Peng Lintian(School of Law,Southwest University,Chongqing 400715,China)

机构地区：[1]西南大学法学院

出　　处：《征信》2019年第12期48-53,共6页Credit Reference

摘　　要：区块链技术安全、不可篡改、去中心化等特点能有效克服当前个人征信制度存在的个人信用信息质量堪忧、保护不佳、流动不畅的问题。区块链等新兴技术应用于个人征信制度无疑会带来监管方面的诸多难题,同时也伴随着技术和成本等多方面的隐忧和挑战。针对这些问题,需要通过理念革新、规则完善和手段创新的多元应用,才能发挥区块链技术应用于个人征信制度的应有功效。The characteristics of security,non-tampering and decentralization of block chain technology can effectively overcome the current problems of personal credit information system such as the worrying quality of personal credit information,bad protection,and insufficient flow.The application of the emerging technology of block chain to the personal credit reporting system will undoubtedly bring many regulation-related problems,aside by technical and cost problems and challenges.In order to play the role of block chain technology,it is necessary to apply the block chain technology to the personal credit reporting system through the innovation of ideas,rules and means.

关 键 词：区块链技术 个人征信制度 去中心化 

分 类 号：F832.4[经济管理—金融学]