区块链技术赋能下个人征信体系的法律重构

Legal Reconstruction of Personal Credit Information System under the Empowered of Blockchain Technology

个人征信是收集、存储、分析被征信主体的信用信息,向信息使用者提供征信产品,控制交易风险的活动。传统的征信业在进入互联网时代后,信息不对称的问题不但没有得到有效解决,而且还要面临个人信息保护和高风险者信用状况难以评估的挑战。在区块链技术赋能下重构我国个人征信体系,将形成以公有链为基础,联盟链为主体,侧链为通道,五个主体参与,四个基本法律关系构成的结构体系。重构的个人征信体系将以去中心化的信息收集为基础框架,以分布式计算为范式,形成新的信任模式,在实现有效监管下保障征信数据全覆盖,最大化减少信贷信息的不对称。

Personal credit investigation is the activity of collecting,storing and analyzing the credit information of the subject,providing credit investigation products to information users and controlling transaction risk.After entering the internet era,the traditional credit information industry has not solved the problem of information asymmetry,but also faced the challenges of personal information protection and high-risk assessment.China’s personal credit investigation system reconstructed under the block chain technology will form a structural system consisting of public chain as the basis,alliance chain as the main body,side chain as the channel,five main bodies participating,and four basic legal relations.The reconstructed personal credit information system will take decentralization as the basic framework and distributed computing as the paradigm to form a new trust model,so as to ensure the full coverage,authenticity,efficiency and security of credit information data under effective supervision.