区块链技术对金融征信的效用研究

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 ，征信体系本科论文AbstractFinancial credit reporting plays an important role in the support of financial management system. However, there are problems in the development of financial credit at this stage. We can use the advantages of blockchain technology to solve this problem and make financial credit develop according to its future development trend.It has become the general trend for credit investigation industry to apply blockchain technology in financial credit investigation under the current situation owing to the deepening application of data and information in finance,. The application of blockchain technology to credit industry can reduce the service cost of credit industry, change the information monopoly of traditional financial industry, realize the optimal allocation of market, and promote the new business model. However, there are still some risks in the process of introducing blockchain technology into financial credit, which cannot be ignored.Key words:Block technology,Financial credit reporting,Financial institution,Credit reporting system本科论文目录前 言.....................................................................................................................................................11 区块链技术......................................................................................................................