金融科技创新下数字信用共治模式研究

Research on Digital Credit Co-governance Model

在全球金融科技创新冲击下,传统间接信用模式难以适应社会发展而新型共治信用模式亟待研究。梳理信用关系治理理论,分析多维主体的信用关系模型,深化数字信用人格化和共治认识。剖析社会共治模式下的现代数字信用体系的协同机制,探索基于区块链技术结构的信用共治网络体系。基于分布式系统的社会信用网络提出数字信用共治概念模型和设计思路,利用信用体系的信息共享基础到标准化认识到集群化运用的三大优势,实现社会信用治理从价值范围扩大到成本降低到环境改善的三重优化效应。

With the impact of global financial technology innovation,it is difficult to adapt to social development for the traditional indirect credit model and needs to be studied for the new cogoverning credit model.It sorts out the theory of credit relationship governance,analyzes the credit relationship model of multi-dimensional subjects,and deepens the understanding of digital credit personalization and co-governance.It analyzes the synergy mechanism of the modern digital credit system under the social co-governance mode,and explores the credit co-governing network system based on the blockchain technology structure.Based on the social credit network in the distributed system,it proposes the conceptual model and design idea of digital credit co-governance.It utilizes the three advantages by the information sharing basis,standardization understanding and clustering application of credit system and realizes the triple optimization effect of social credit governance by the expansion value range,cost reduction and environmental improvement.