区块链在征信业应用的探讨

Discussion on block chain application in credit investigation industry

在大数据与互联网金融快速发展的新形势下,我国征信业痛点愈加严峻。区块链以技术建立共识信任,直击征信业"痛点",在征信领域有着广阔应用前景。本文从我国征信业发展现状入手,分析了我国征信业"痛点",继而针对"痛点"提出区块链在征信业的应用场景,阐明了区块链的应用优势与特点,也指出了区块链在征信业应用实践中的潜在隐患。

In the new development situation of big data and internet finance,inherent disadvantage of credit investigation industry are becoming more and more obvious and increasingly serious.Blockchain,to establish consensus trust with its technology,directly meets the need of credit investigation industry and has broad prospects for application in the field of credit investigation.This paper starts from present situation of credit investigation industry,and then,analyzes pain points and application advantages,exemplifies scenarios of blockchain and finally,points out potential risks in the credit industry.