摘要
党的十九届五中全会提出要构建以国内大循环为主体、国内国际双循环相互促进的新发展格局。消费作为拉动经济的三驾马车之一,在构建国内国际双循环相互促进的新发展格局中处于核心地位。商业消费信用体系的构建,能够优化市场消费环境,为促进经济高质量发展提供动力。区块链技术的可追溯性、不可篡改、去中心化等特点,能够通过对数据信息的存储、保护、交易、监管等四个方面促进商业消费信用体系的构建。构建区块链技术条件下的商业消费信用体系将极大地解决商业消费信用体系中由于信息不对称所导致的交易成本过高以及市场信用信息共享机制不完善等难题,同时也能够为监管部门提供更加有效的监管手段。
The fifth Plenary Session of the 19th Central Committee of the Communist Party of China(CPC)proposed to build a new development pattern in which the domestic cycle is the main body and the domestic and international double cycles promote each other.Consumption,as one of the three drives driving the economy,plays a central role in the construction of a new development pattern in which the domestic and international double cycles promote each other.The construction of commercial consumption credit system can optimize the market consumption environment and provide power for promoting high-quality economic development.The characteristics of blockchain technology,such as traceability,non-tampering and decentralization,can promote the construction of commercial consumption credit system through the storage,protection,transaction and supervision of data information.The construction of the commercial consumption credit system under the condition of blockchain technology will greatly solve the problems of high transaction costs and imperfect market credit information sharing mechanism caused by information asymmetry in the commercial consumer credit system,and also provide more effective supervision means for the regulatory authorities.
作者
刘湖
刘玥
鱼晓轩
Liu Hu;LIU Yue;Yu Xiaoxuan(International Business School,Shaanxi Normal University Xi’an,710119,Shaanxi,China)
出处
《征信》
北大核心
2021年第12期32-39,共8页
Credit Reference
基金
陕西省社会科学基金年度项目(2020D017)
西安市“科技”行动计划软科学项目(XA2020-RKXYJ-0033)
陕西师范大学研究生创新团队项目(TD2020005Y)。
关键词
区块链
商业消费
消费信用
信用体系
blockchain
commercial consumption
consumption credit
credit system
