摘要
互联网环境下,传统信用体系存在信息壁垒严重、信息交易不畅、信息安全堪忧等诸多不足。区块链技术在解决信息共享、信息交易和信息安全等方面的问题上具有优势。基于区块链技术构建互联网信用体系,并作为社会信用体系的重要组成部分,可以较好地解决互联网环境下传统信用体系存在的问题。构建包含政府机构、征信机构、企业和个人用户等运行主体的互联网信用体系框架,分析其运行模式,对比互联网信用体系与传统信用体系的差异,建议强化管理体制,发挥政府主导作用,创新监管制度,健全激励机制等,以促进互联网信用体系的构建。
The traditional credit system has the shortcomings of severe information barriers,unsmooth information transaction,and lack of information security,etc.under the internet environment.Blockchain technology has advantages in resolving the problems related to information sharing,information transaction,and information security,etc.It is able to better solve the problems of the traditional credit system under the internet environment to construct an internet credit system based on blockchain technology and includes it into the social credit system as an important part.This article intends to construct an internet credit system framework that incorporates running subjects like governmental agencies,credit reporting agencies,and enterprise and consumer users,etc.,analyzes the operation model of this framework,and compare the differences between the internet credit system and the traditional one.It is recommended that we strengthen the management system,play the leading role of the government,innovate the regulatory system,and improve the motivation mechanism,etc.,to promote the construction of the internet credit system.
作者
秦响应
申晨
陈刚
杜光辉
Qin Xiangying;Shen Chen;Chen Gang;Du Guanghui(Hebei Finance University,Baoding 071000,Hebei,China)
出处
《征信》
北大核心
2020年第2期12-17,共6页
Credit Reference
基金
河北省高等学校科学技术研究项目(ZD2018218)
教育部人文社科青年基金项目(14YJC630044)。
关键词
区块链技术
互联网信用体系
社会信用体系
信用信息
信息共享
blockchain technology
internet credit system
social credit system
credit information
information sharing
