Personal Credit Information System Construction And Application Research

The operation of modern financial system is inseparable from the support of credit.As the key link of credit system,credit investigation lays the foundation of financial credit risk management.Credit investigation is the foundation of the healthy development of the financial industry,and the construction of personal credit investigation is an important part of the credit investigation system.Compared with the corporate credit system in our country,the personal credit system in our country is imperfect,and there is a certain development space.And with the rapid development of big data,such advanced technology industries as blockchain technology in contemporary society continue to strengthen the application to the personal credit industry,and reshape the development of personal credit industry as well.Based on the development of personal credit system in China,this paper analyzes the problems and challenges of the current credit system.There have been a lot of problems,for instance,single and centralized business subjects in China's personal credit system,the lack of competitiveness of market-oriented personal credit agencies,and the single source of personal credit data,and the puzzle of information island.With the emergence of blockchain technology,the technology of decentralization,timestamping and security of blockchain technology provides a new solution for solving the problems existing in traditional credit investigation,which is of great significance in the personal credit investigation industry.The credit data collection of personal blockchain credit system covers a wider range and has more dimensions.The data storage is decentralized,and each organization can be updated synchronously;The characteristics of blockchain can be traced back and not easily tampered,which makes personal credit data more secure,prevents credit information from being tampered,and facilitates supervision;Point to point information transmission can be carried out between credit investigation subjects and institutions,which is conducive to breaking the data island;Using encryption transmission technology,personal credit data transaction process can ensure the security and privacy of data.On this basis,this paper constructs a personal block chain credit architecture,which combines the block chain technology with the process of personal credit data collection,storage and transaction,accomplishes the decentralization and information exchange of personal credit information,maintains the security of credit data,guarantees the privacy of the subject,and improves the quality of credit data as well.And further discuss how to effectively combine blockchain technology with personal credit system to provide richer personal credit products and services to the society,and analyze the possible problems in the application process,propose solutions,further actively promote the improvement of personal blockchain credit system,and accelerate the implementation.