摘要
数字经济时代,征信替代数据是传统征信信息的重要补充和数字征信体系的重要组成部分,有助于纾解信息不对称问题,扩大信贷服务覆盖面,降低业务运作成本,优化风险防控模型,保障数字普惠金融业务行稳致远。但是,作为新生事物,征信替代数据的金融应用仍处于探索阶段,使用过程中还存在采集方案不规范、共享体系不健全、用户信息易泄露等问题,而区块链技术所具备的分布式账本、共识信任、非对称加密、可追溯性、智能合约等特征有助于解决上述问题。在区块链技术赋能下,通过规范征信替代数据采集方案、健全征信替代数据共享体系、完善信息主体保护机制等路径,能够促进征信替代数据创新应用,解决“薄信用”群体在金融服务中“缺征信”的痛点,推动数字普惠金融高质量发展。
In the era of digital economy,alternative credit data is an important complement to traditional credit information and an important component of the digital credit system,which is conducive to alleviating the problem of information asymmetry,expanding the coverage of credit services,reducing the cost of business operations,optimizing risk prevention and control models,and ensuring the stability and long-term development of digital inclusive financial business.However,as a new thing,the financial application of alternative credit data is still in the exploratory stage,and there are still problems in the application,such as non-standardized collection schemes,imperfect sharing systems,and easy leakage of user information.Blockchain,with its features such as distributed ledger,consensus trust,asymmetric encryption,traceability and smart contract,can help solve the above problems.With the empowerment of blockchain technology,the innovative application of alternative credit data will be promoted by standardizing alternative credit data collection schemes,improving alternative credit data sharing systems,and improving the protection mechanism of information subjects,thus solving the problem of lack of credit for groups with thin credit files in financial services and promoting the high-quality development of digital inclusive finance.
作者
赵雨舟
周雷
赵丽锦
Zhao Yuzhou;Zhou Lei;Zhao Lijin(School of Digital Economics,Changzhou College of Information Technology,Changzhou 213164,China;School of Business,Suzhou Vocational University,Suzhou 215104,China)
出处
《无锡商业职业技术学院学报》
2023年第5期1-8,共8页
Journal of Wuxi Vocational Institute of Commerce
基金
江苏高校哲学社会科学研究一般项目“基于数字战略认知框架视角的江苏制造业价值转型研究”(2023SJYB1324)
常州信息职业技术学院自然科学、人文社科校级科研课题“金融科技对普惠金融的发展及创新模式研究”(CXRS202114Y)。
关键词
区块链
征信替代数据
采集方案
共享体系
信息保护
blockchain
alternative credit data
collection scheme
sharing system
information protection
