区块链技术在个人征信领域的应用探索  

Application Exploration of Blockchain Technology in the Field of Personal Credit Investigation

作　　者：刘颖[1] 张馨元 马小林[3] Liu Ying;Zhang Xinyuan;Ma Xiaolin(School of Economics,Liaodong University,Dandong 118000,Liaoning,China;School of Economics,Lanzhou University,Lanzhou 730000,Gansu,China;Dandong Central Sub-branch,People’s Bank of China,Dandong 118000,Liaoning,China)

机构地区：[1]辽东学院经济学院,辽宁丹东118000 [2]兰州大学经济学院,甘肃兰州730000 [3]中国人民银行丹东市中心支行,辽宁丹东118000

出　　处：《征信》2021年第9期51-57,共7页Credit Reference

基　　金：辽宁省社会科学规划基金项目(L18BLW051)。

摘　　要：区块链技术起源于比特币,基于其去中心化、开放性、安全性、匿名性的特点,区块链已经受到各行各业的广泛关注。近年来,随着互联网、大数据技术的发展,个人征信报告泄露事件频出,如何应用区块链技术加强征信安全管理值得探究。利用区块链技术的去中心化等特点,尝试探索在去中心化的情况下,将区块链技术应用于个人征信中身份信息识别、信贷账户信息管理、公共记录信息存储等模块,由个人和贷款机构掌握数据访问权,强化数据信息安全。Blockchain technology originated from Bitcoin.Based on its characteristics of decentralization,openness,security and anonymity,Blockchain has been widely concerned by all walks of life.In recent years,with the development of Internet and big data technology,the leakage of personal credit investigation reports is frequent seen.How to apply blockchain technology to strengthen credit investigation security management is worth exploring.By taking advantage of the decentralization of blockchain technology and other characteristics,this paper tries to explore the application of blockchain technology in modules such as identity information identification,credit account information management and public record information storage in personal credit investigation under the condition of decentralization,so that individuals and lending institutions can master the right of data access and strengthen data information security.

关 键 词：区块链 个人征信 去中心化 征信报告 智能合约 非对称密码学 

分 类 号：F832.4[经济管理—金融学]