摘要
征信对中国金融市场的高质量发展起着至关重要的作用,信息技术则是征信高效管理平台建设的关键性技术。本文结合当下信息技术领域较为流行的区块链技术,阐述了我国现行征信系统区块链技术的应用模式及其作用,提出区块链技术应用是征信系统实现颗粒化服务的有效途径,是征信系统安全和征信信息安全的有效保障;基于区块链技术背景下征信系统业务应用架构的讨论,认为现阶段集中—分布式是较为合理的应用模式;最后提出推进区块链征信系统建设进程的对策建议。
Credit investigation is very important to the quality development of China’s financial market.Information technology is the key technology for the construction of an efficient credit management platform.This paper contains the content of the blockchain application mode of China’s current credit investigation and the role of blockchain in credit investigation system and suggestions on the construction of blockchain credit investigation system.This paper proposes that the application of blockchain technology is an effective way for credit investigation systems to achieve granular services the application of blockchain technology is an effective guarantee for the security of credit investigation systems the application of blockchain technology is an effective guarantee for credit information security.Based on the discussion of the business application architecture of credit reporting systems under the background of blockchain technology it is believed that the current centralized distributed application mode is a more reasonable one.Finally this paper proposes countermeasures and suggestions to promote the construction process of blockchain credit reporting system.
出处
《经济动态与评论》
2023年第1期161-173,196,共14页
Review of Economic Trends
关键词
区块链技术
征信
系统架构
Blockchain Technology
Credit Investigation
System Architecture
作者简介
鲁冰,山东社会科学院智库研究中心副研究员,主要研究领域为信息技术应用。
