摘要
在当前金融发展背景下,金融征信系统应顺应金融发展的趋势,构建金融征信数据共享系统。但是,我国当前征信领域面临个人征信发展不足、征信数据孤岛等问题。对此,政府给予了引导和支持,业界也就该问题进行了探索和实践。目前已经具备了构建金融征信共享系统的现实实施基础。在此前提下,应遵循数据正义观的原则,构建中心化与去中心化系统分析框架相结合的“区块链+”大数据双通道征信技术框架,实现金融征信数据的共享,以促进我国金融业进一步发展和社会信用体系的建立。
Currently,financial market is facing the most profound change in history.As the key to the sound development of modern finance,financial credit reporting system should conform to the development trend of finance and construct the sharing system of financial credit reporting data.However,China’ s credit reporting industry currently is faced with the problem of the underdevelopment of personal credit reporting,credit data silo,and the protection of personal privacy,etc.Accordingly,the government offers guidance and support in policies and the credit reporting industry has conducted many explorations and practices in constructing the model of credit reporting data sharing,and has laid the realistic implementation foundation.It is of great significance to promote the healthy development of China’ s financial industry and the construction of social credit system by speeding up the construction of centralized and de-centralized system combined“ blockchain plus” big data double-path credit reporting technological framework in accordance with the principle of data justice,and achieving the sharing of financial credit reporting data.
作者
梁伟亮
Liang Weiliang(Civil,Commarcial and Ecomomic Law School CUPL,Beijing 100088,China)
出处
《征信》
北大核心
2019年第6期14-19,共6页
Credit Reference
基金
国家社会科学基金项目(16AFX016)
中国政法大学2018年度博士科研创新实践项目(2018BSCX17)
关键词
金融征信数据
区块链
征信数据共享
社会信用体系
financial credit reporting data
blockchain
sharing of credit reporting data
social credit system
