摘要
从我国互联网金融平台征信发展现状出发,分析了互联网金融平台征信存在的问题和面临的挑战。为解决现存问题建立了一个基于区块链的跨平台征信数据共享模型,探讨了其作用机理和应用场景,实证结果表明:征信系统中的机构数量与逾期率呈现明显的负向关系。利用区块链技术将信用平台打通后,可以大大增加系统中提供征信服务的机构数量,按照统计结果推测,项目逾期率会相应降低,有利于互联网金融行业的健康有序发展和政府监管功能的实现。区块链在一定程度上解决了现存问题,但融入征信体系仍需时日,长期来看离不开政府部门的监督。
Starting from the current situation of the development in China’s internet financial platform,this paper analyzes its problems and challenges.In order to solve the existing problems,a cross-platform credit data sharing model based on blockchainis established,and its mechanism and application scenarios are discussed.The empirical results show that the number of institutions in the credit information system has a negative relationship with the overdue rate.After using the blockchain technology to open up the credit platform,the number of institutions providing credit information services in the system can be greatly increased.According to the statistical results,the project overdue rate will be reduced accordingly,which is conducive to the healthy and orderly development of the Internet finance industry and the government supervision function.The blockchain has solved the existing problems to a certain extent,but it still takes time to integrate into the credit information system.In the long run,it is inseparable from the supervision of the government departments.
作者
塔琳
李孟刚
TA Lin;LI Meng-gang(School of Economics and Management,Beijing Jiaotong University,Beijing 100044,China)
出处
《东北大学学报（社会科学版）》
CSSCI
北大核心
2018年第5期466-474,共9页
Journal of Northeastern University(Social Science)
基金
国家社会科学基金一般资助项目(17BJY175)
北京交通大学中国产业安全研究中心平台建设学术资助项目(KA20012531)
关键词
区块链
互联网金融
征信
政府监管
blockchain
internet finance
credit investigation
government supervision
