摘要
随着大数据、区块链和边缘计算等金融技术的快速发展,中小微企业的融资问题和传统供应链金融的风控管理模式的矛盾日益凸显,如何有效利用金融科技加强对风控领域的管理,是商业银行亟需思考和解决的问题。文章依据边缘计算和区块链的优势,提出基于边缘计算和区块链相结合的智能风控体系,并对该体系的关键技术、系统框架和流程进行了介绍和分析,为商业银行应对金融风险,减少风险投资,提升防御风险能力提供了新视角。
With the rapid development of financial technologies such as big data,blockchain,and edge computing,the contradiction between the financing problems of small,medium,and micro enterprises and the traditional risk control management model of supply chain finance has become increasingly prominent.How to effectively utilize financial technology to strengthen the management in the field of risk control is an urgent issue that commercial banks need to consider and solve.Based on the advantages of edge computing and blockchain,this article proposes an intelligent risk control system combining edge computing and blockchain,and introduces and analyzes the key technologies,system framework,and processes of this system,providing a new perspective for commercial banks to deal with financial risks,reduce risk investments,and enhance their risk defense capabilities.
作者
张婷
邓小飞
ZHANG Ting;DENG Xiaofei(School of Information Engineering,Jiaozuo University,Jiaozuo,Henan 454000,China)
出处
《焦作大学学报》
2025年第2期63-67,共5页
Journal of Jiaozuo University
基金
2025年度河南省高等学校重点科研项目(25A790013)。
关键词
边缘计算
区块链
风险控制
风控体系
edge computing
blockchain
risk control
risk control system
作者简介
张婷(1992-),女,河南修武人,焦作大学信息工程学院讲师,研究方向:数据挖掘。
