区块链技术对传统征信的变革研究  

Research on the Transformation of Block Chain Technology for Traditional Credit Reporting Business

作　　者：管晓永[1] 任捷 Guan Xiaoyong;Ren Jie(Alibaba Business School,Hangzhou Normal University,Hangzhou 311121,Zhejiang,China)

机构地区：[1]杭州师范大学阿里巴巴商学院,浙江杭州311121

出　　处：《征信》2020年第3期45-50,共6页Credit Reference

基　　金：杭州市哲学社会科学基金重点项目(2013JD27)。

摘　　要：区块链技术具备的去中心化、共识决策、信息透明、不可篡改、无法抵赖、分布式数据库等特点,从根本上克服了目前基于观念、规制和经验的信用管理的理念和技术缺陷,这些特点恰恰是群体、社区和社会信用管理所需要的核心技术要素。区块链技术的应用对传统征信业务及其发展带来了理念、规程和技术等方面的变革,未来征信业将面临良好的发展前景。Such characteristics of block chain technology as decentralization,consensus decision-making,information transparency,immutability,unable to deny,and distributed database,fundamentally overcome the present the concept of credit management and technical shortcomings that are based on the traditional concepts,regulation and experience.These characteristics are precisely the factors of the core technology which are needed by groups,community and social credit management.The application of block chain technology has brought changes in concepts,procedures and technologies to the traditional credit reporting business and its development,and the block chain credit information industry will face a good development prospect in the future.

关 键 词：征信 区块链技术 分布式记账 共识算法 信息共享 

分 类 号：F832.31[经济管理—金融学] F062.4