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 t...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.展开更多
文摘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.
