摘要
本文论述了我国近期P2P行业的市场发展情况,着重从平台数量变化趋势、贷款增量情况、监管体系建设、平台技术安全性、信息透明性和流动性、信用评价体系建设等几个方面对当前点对点网络借贷行业进行了深入的分析。同时提出了这个行业普遍存在的风险和问题,主要包括平台安全性差、缺乏数据隐私保护机制、行业监管体系尚待完善、信息透明度差等多个方面。结合当前现状,文章提出了将区块链技术与P2P信贷行业相结合,并利用区块链的无中心管理节点、数据对所有参与人透明、不可篡改历史信息等诸多技术特性,有针对性的解决P2P领域存在的问题。同时提出“三链合一”的解决方案,将借贷区块链、信用区块链和货币区块链相结合,分别从借贷业务视角、信用评价视角和货币流通视角切入当前P2P行业,形成一个以区块链技术为基础,以第三方监管为导向,以行业自律为辅助的新型P2P信贷体系。
The P2P net loan in the recent market in China is discussed in the paper,and the P2P industry is analyzed with the number of the platform,increase of the loan,supervise system establishment,security of platform,transparency and mobility of information,credit evaluate system establishment. The risks and problems of the field are mentioned,including the low security of the platform,lack of the data private protection mechanism,imperfect industry supervision system,transparent information problem,and etc. Combined with the current situation,the idea of combination of block chain technology with the P2P credit industry is proposed in the paper to solve the problems from P2P with the characteristics of block chain,including the non-central management node,transparency of data to all participants,non-tampering historical information,and etc. At the same time,the solution of“ three chain in one”is put forward,w hich combines the lending block chain,credit block chain and currency block chain. From the perspectives of lending business,credit evaluation and currency circulation,a new type of P2P credit system is formed,w hich is based on block chain technology,guided by third-party supervision and assisted by industry self-discipline.
作者
严振亚
YAN Zhen-ya(Wuhan BJC Technology Co.,Ltd.,Wuhan Hubei 430074,China)
出处
《技术经济与管理研究》
北大核心
2019年第10期89-94,共6页
Journal of Technical Economics & Management
关键词
P2P
信贷
区块链
创新应用
P2P
Credit
Block chain
Innovative application
