一种基于同态加密的小微企业联合信用评估机制

A Joint Credit Evaluation Mechanism for Small and Micro Enterprises Based on Homomorphic Encryption

随着数字经济发展,用电数据作为小微企业的重要经营数据,具有时效性强、真实度高、覆盖面广的优势,可以弥补小微企业资金和财务信息的空白,为小微企业征信提供了一种新型解决方案。但高价值的征信数据属于各行业的商业机密,在电力金融跨域联合征信过程中,各方对客户数据都拥有保密心理,造成数据共享与隐私保护两者之间的矛盾。目前的数据共享方案存在计算繁琐、流程复杂度高等问题,需要引入轻量级数据共享隐私保护方案。因此,文章提出一种基于BGN同态加密计算的小微企业联合信用评估机制,通过电力企业与金融企业的数据共享,构建联合信用评估指标体系,以BGN同态加密算法为安全保障,在隐私保护的前提下获得小微企业的信用等级,在小微企业融资风险评估领域具有重要的参考意义与应用价值。

With the development of the digital economy,electricity consumption data,as an important business data for small and micro enterprises,has the advantages of strong timeliness,high authenticity,and wide coverage.It can fill the gap in funding and financial information for small and micro enterprises and provide a new solution for their credit reporting.However,high-value credit data belongs to commercial secrets of various industries.In the cross domain joint credit reporting process of power finance,all parties have a confidentiality mentality towards customer data,resulting in a contradiction between data sharing and privacy protection.However,current data sharing solutions suffer from computational complexity and high process complexity,requiring the introduction of lightweight data sharing privacy protection schemes.Therefore,this paper proposes a joint credit evaluation mechanism for small and micro enterprises based on BGN homomorphic encryption calculation.Through data sharing between power enterprises and financial enterprises,a joint credit evaluation index system is constructed,and the BGN homomorphic encryption algorithm is used as a security guarantee to obtain the credit rating of small and micro enterprises under the premise of privacy protection.This has important reference significance and application value in the field of small and micro enterprise financing risk assessment.