基于区块链的征信数据共享机制探究

Research on Credit Data Sharing Mechanism Based on Block Chain

目前我国征信数据共享领域,因受到权责、技术、利益等多因素的影响,存在“不愿共享”、“不敢共享”、“不能共享”的现象。本文通过深入分析征信数据共享受阻的原因,以及将区块链应用于该领域的技术优势,设计了一种基于区块链的征信数据共享机制,并从明确监管职责、加强数据治理、推进技术研发等方面提供了发展建议。

At present,due to the infl uence of multiple factors such as responsibilities,technology and interests,in the fi eld of credit data sharing in our country,there are phenomena of“unwillingness to share”,“dare to share”,and“unable to share”.Through in-depth analysis of the reasons for the obstruction of credit data sharing and the technical advantages of applying blockchain to this fi eld,this paper designs a blocchain-based credit data sharing mechanism,and provides development suggestions in aspects of clarifying regulatory responsibilities,strengthening data governance and promoting technical research.