基于智能合约的信用抵押交易模型构建

Credit Mortgage Model in Smart Contract Transaction System

为营造良好的市场交易氛围,在交易过程中可引入智能合约。基于智能合约自动执行、不可篡改的特点建立信用抵押交易,既不造成资产占用,又具有较强的执行力,用新兴技术解决传统制度难以解决的信用难题。一是基于Fabric联盟链,搭建智能合约信用抵押交易体系,并制定交易规则。二是针对信用交易失灵问题,设置强激励的交易信用函数,构建刚性约束的信用抵押智能交易模型,以“廉价”的信用资产抵押降低交易成本,以“昂贵”的信用丧失代价吓阻违约行为,促使交易双方自觉、自动执行合约。该智能交易模型具有强激励性,随着交易次数的不断累积增加,信用抵押占比亦随之逐渐增加,并最终趋于完全信用抵押的理想状况。

In order to create a good market trading atmosphere,smart contracts are introduced in the trading process.Based on the automatic execution of smart contracts and the immutable characteristics,the credit mortgage transactions will not cause asset occupation with their strong execution power and emerging technologies to solve credit problems that are difficult to solve in the traditional system.First of all,based on the Fabric alliance chain,a smart contract credit mortgage trading system is built and trading rules are formulated.Secondly,a smart credit mortgage transaction model,rigidly constrained with astrong incentive credit function,was constructed in response to the deal failure,by which the contract could be performed consciously and automatically out of the reduced transaction cost from the“cheap”credit mortgage and the discouraged default behavior from the“expensive”credit loss.The credit proportion in collateral would gradually increase until its peak at 1 as transaction continuing because of the robust model above.