Research On Credit Constraint Mechanism Of Sharing Economy Based On Intelligent Information Technology

The sharing economy,which aims at invigorating social resources and improving operational efficiency,has developed with the emergence of new technologies such as "great material cloud movement",which has penetrated into all aspects of people's life and become an indispensable part of people's daily life.The coming 5g and blockchain technologies will further promote the development of sharing economy.However,in China where the credit system is not perfect,the development of this new business model has been hindered to some extent.Such as user provide false identity information to enter the market,steals property,infringes life,divulges privacy,and modifies the dishonest record by technical or human means.Lack of credit has become a major problem in the development of sharing economy.At present,the settlement of the credit problem of sharing economy mainly depends on the system scheme,but the system scheme based on the rational human assumption is difficult to apply to the solution of the real problem,and its realization cost is high and efficiency is low.In view of this,this paper will start from the perspective of technology,make up for the shortcomings of the system by technology,avoid human factors to promote the effective implementation of the system,and establish a set of credit constraint mechanism of sharing economy based on intelligent information technology.The research work is summarized as follows.First of all,aiming at the problem of forgery information before transaction,based on the three influential factors of subject identity information,material information and transaction information,this paper establishes the credit evaluation model and the three chain block structure of subject,material and transaction respectively,to realize the allround traceability of information,to ensure that the personal information,material information and transaction information provided by users before transaction are consistent with the actual situation.The availability of the model is verified by crawling the data of Xiaozhu.Secondly,in view of the breach of contract in the transaction,this paper introduces the Internet of things technology to real-time monitor the life,property,user privacy and other influencing factors involved in the transaction process,and designs the smart contract triggering model for three protocols,namely,cost,rule and subsidiary.Based on the analysis of examples,the reliability of the model is verified to make the transaction process intelligent,transparent and fair.Finally,aiming at the problem of tampering records after transaction,this paper uses the blockchain ledger technology to establish a "one network" of user,enterprise and government credit records.Based on the improved pbft algorithm,the sharing economic transaction information can reach a consensus,and then the credit records can be decentralized and traceable.The classification of credit problems of sharing economy provides a new perspective for the follow-up research.The credit one network system established with the help of intelligent information technology can solve the credit problems of sharing economy more efficiently and less cost effectively.At the same time,it is conducive to promoting the efficient cooperation between the government and enterprises,providing high-quality data for enterprises to develop new application scenarios.provide the government with comprehensive information in order to improve the efficiency of government administration,and ultimately maximize the value of the sharing economy and society.