区块链技术在大数据征信中的应用

Application of Block Chain Technology in Big Data's Credit Investigation

以区块链、大数据、物联网、云计算和人工智能为代表的数字技术将驱动社会生产方式的变革。征信领域积累大量的数据,也在尝试应用大数据思维和技术解决数据共享,丰富征信数据维度,提高信贷风控能力等。该文将针对大数据征信发展中存在的问题,从区块链技术的技术特征出发,研究区块链技术如何赋能大数据征信,首先阐述区块链技术在征信体系中的研究现状和行业实践成果,指出现阶段征信体系中存在的问题,然后研究区块链技术在征信数据安全、用户隐私保护、数据确权和打破数据壁垒等方面的应用,以推动区块链技术在征信领域发展,为重构征信体系机制提供重要的技术支撑。

Digital technology represented by blockchain,big data,Internet of things,cloud computing and artificial intelligence will drive the change of social mode of production.A large amount of data has been accumulated in the field of credit information,and we are also trying to apply big data's thinking and technology to solve data sharing,enrich credit data dimensions,and improve the ability of credit risk control.In view of the problems existing in big data's credit information development,and starting from the technical characteristics of block chain technology,this paper studies how block chain technology can endow big data with credit information.Firstly,it expounds the research status and industry practice achievements of block chain technology in the credit information system,and points out the problems existing in the credit information system at the present stage.Then it studies the application of blockchain technology in credit data security,user privacy protection,data confirmation,breaking data barriers and so on,in order to promote the development of blockchain technology in the field of credit information and provide important technical support for the reconstruction of credit system mechanism.