摘要
With the continuous integration of Internet technology and people's lives,blockchain technology provides more possibilities for the development of the banking industry.Blockchain is a distributed database.It has the characteristics of non-tampering,openness,transparency,decentralization,and good anonymity.It can well solve the shortcomings of the current personal credit evaluation system,thus proposing corresponding strategies for banks.Firstly,this paper proposes the challenges and difficulties in building a personal credit data sharing system based on blockchain,designs a personal credit data sharing model based on blockchain technology,and proposes a personal credit evaluation mechanism based on blockchain,including three parts:credit mechanism,credit index,and weighted scoring algorithm.Finally,through the linear regression model,corresponding credit strategies are proposed for banks.
