金融征信数据共享:现实困境与未来图景
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摘要
在当前金融发展背景下,金融征信系统应顺应金融发展的趋势,构建金融征信数据共享系统。但是,我国当前征信领域面临个人征信发展不足、征信数据孤岛等问题。对此,政府给予了引导和支持,业界也就该问题进行了探索和实践。目前已经具备了构建金融征信共享系统的现实实施基础。在此前提下,应遵循数据正义观的原则,构建中心化与去中心化系统分析框架相结合的"区块链+"大数据双通道征信技术框架,实现金融征信数据的共享,以促进我国金融业进一步发展和社会信用体系的建立。
Currently, financial market is facing the most profound change in history. As the key to the sound development of modern finance, financial credit reporting system should conform to the development trend of finance and construct the sharing system of financial credit reporting data. However, China's credit reporting industry currently is faced with the problem of the underdevelopment of personal credit reporting, credit data silo, and the protection of personal privacy, etc. Accordingly, the government offers guidance and support in policies and the credit reporting industry has conducted many explorations and practices in constructing the model of credit reporting data sharing, and has laid the realistic implementation foundation. It is of great significance to promote the healthy development of China's financial industry and the construction of social credit system by speeding up the construction of centralized and de-centralized system combined"blockchain plus"big data double-path credit reporting technological framework in accordance with the principle of data justice, and achieving the sharing of financial credit reporting data.
Currently, financial market is facing the most profound change in history. As the key to the sound development of modern finance, financial credit reporting system should conform to the development trend of finance and construct the sharing system of financial credit reporting data. However, China's credit reporting industry currently is faced with the problem of the underdevelopment of personal credit reporting, credit data silo, and the protection of personal privacy, etc. Accordingly, the government offers guidance and support in policies and the credit reporting industry has conducted many explorations and practices in constructing the model of credit reporting data sharing, and has laid the realistic implementation foundation. It is of great significance to promote the healthy development of China's financial industry and the construction of social credit system by speeding up the construction of centralized and de-centralized system combined"blockchain plus"big data double-path credit reporting technological framework in accordance with the principle of data justice, and achieving the sharing of financial credit reporting data.
引文
[1]杨东.监管科技:金融科技的监管挑战与维度建构[J].中国社会科学,2018(5):69-91.
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[7]林小驰,胡叶婧雯.关于区块链技术的研究综述[J].金融市场研究,2016(5):97-109.
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[10]马长山.法治中国建设的“共建共享”路径与策略[J].中国法学,2016(6):5-23.
[11]巴曙松,侯畅,等.大数据风控的现状、问题及优化路径[J].金融理论与实践,2016(2):23-26.
[12]聂二保,陈绍真,苗新科,等.基于“区块链+”的互联网金融大数据双通道征信技术研究[J].征信,2017(6):39-41.
[2]修永春.金融科技与普惠金融:征信业的变革与挑战[J].新金融,2018(10):52-55.
[3]王强,卿苏德,等.区块链在征信业应用的探讨[J].电信网技术,2017(6):37-41.
[4]刘财林.区块链技术在我国社会信用体系建设中的应用研究[J].征信,2017(8):28-32.
[5]张维迎.博弈论与信息经济学[M].上海:上海三联书店,1996:33.
[6]Anjum A, Sporny M, Sill A. Blockchain Standards for Compliance and Trust[J]. IEEE Cloud Computing,2017,4(4):84-90.
[7]林小驰,胡叶婧雯.关于区块链技术的研究综述[J].金融市场研究,2016(5):97-109.
[8]约翰·罗尔斯.正义论[M].何怀宏,何包钢,廖申白,译.北京:中国社会科学出版社,1988:3-4.
[9]吴霁虹·桑德森.众创时代:互联网+、物联网时代企业创新完整解决方案[M].北京:中信出版集团,2015:1.
[10]马长山.法治中国建设的“共建共享”路径与策略[J].中国法学,2016(6):5-23.
[11]巴曙松,侯畅,等.大数据风控的现状、问题及优化路径[J].金融理论与实践,2016(2):23-26.
[12]聂二保,陈绍真,苗新科,等.基于“区块链+”的互联网金融大数据双通道征信技术研究[J].征信,2017(6):39-41.