霍晓敏-区块链技术对金融征信的效用研究.docx

本科论文本科论文摘要金融征信对金融管理体系的支持起着至关重要的作用。但金融征信在现阶段的发展中存在着问题，我们可以用区块链技术的优势来解决这一问题，使金融征信按其未来的发展趋势发展。中国征信业在当前形势下，将区块链技术应用于金融征信中去已经成为大势所趋。将区块链技术应用到征信业可以降低征信业的服务成本，改变传统金融业信息垄断，实现市场的优化配置，推动新型商业模式。然而在将区块链技术引入金融征信的过程中仍然存在一定的风险，这也是不容忽视的。关键字：区块链技术，金融征信，金融机构，征信体系AbstractFinancialcreditreportingplaysanimportantroleinthesupportoffinancialmanagementsystem.However,thereareproblemsinthedevelopmentoffinancialcreditatthisstage.Wecanusetheadvantagesofblockchaintechnologytosolvethisproblemandmakefinancialcreditdevelopaccordingtoitsfuturedevelopmenttrend.Ithasbecomethegeneraltrendforcreditinvestigationindustrytoapplyblockchaintechnologyinfinancialcreditinvestigationunderthecurrentsituationowingtothedeepeningapplicationofdataandinformationinfinance,.Theapplicationofblockchaintechnologytocreditindustrycanreducetheservicecostofcreditindustry,changetheinformationmonopolyoftraditionalfinancialindustry,realizetheoptimalallocationofmarket,andpromotethenewbusinessmodel.However,therearestillsomerisksintheprocessofintroducingblockchaintechnologyintofinancialcredit,whichcannotbeignored.Keywords:Blocktechnology,Financialcreditreporting,Financialinstitution,Creditreportingsystem目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc39996665"前言PAGEREF_Toc39996665\h1HYPERLINK\l"_Toc39996666"1区块链技术PAGEREF_Toc39996666\h2HYPERLINK\l"_Toc39996667"1.1概念及特征PAGEREF_Toc39996667\h2HYPERLINK\l"_Toc39996668"1.1.1去中心化PAGEREF_Toc39996668\h2HYPERLINK\l"_Toc39996669"1.1.2开放性PAGEREF_Toc39996669\h2HYPERLINK\l"_Toc39996670"1.1.3信息不可篡改PAGEREF_Toc39996670\h2HYPERLINK\l"_Toc39996671"1.2应用现状PAGEREF_Toc39996671\h2HYPERLINK\l"_Toc39996672"1.2.1各个行业基于区块链的了解现状PAGEREF_Toc39996672\h2HYPERLINK\l"_Toc39996673"1.2.2当前大众对区块链的认知PAGEREF_Toc39