| In the development wave of emerging information technology in recent years,blockchain technology has gradually emerged,and its characteristics such as time-stamp encryption technology,decentralization,distributed system and smart contract have a high degree of fit with the financial industry.Among them,how to apply blockchain technology to the bank’s personal credit risk control to improve the internal control of the bank has been widely concerned and discussed.Based on the literature on blockchain technology and credit risk control,this thesis studies how to control personal credit risk and the existing problems in the application of blockchain technology based on the relevant policies of internal control of China’s banking industry,information asymmetry,and credit rationing theory.This thesis selects Shenzhen Qianhai We Bank as the case study object,which is an Internet private bank led by Tencent and a benchmark enterprise that applies financial blockchain to control individual credit risks in China,with certain representability.In the specific study of the case,We Bank’s personal credit business product--"Weilidai" is selected as the object of analysis.By dismantling the business process and risk control process,it analyzes how We Bank controls credit risk through the blockchain credit investigation system and information security risk through the blockchain transaction network,and how to control default risk through blockchain credit linkage and derivative "ODR chains".However,in-depth analysis shows that in practical application,although blockchain technology can help We Bank control some personal credit risks,there are still risk control loopholes,such as the blockchain credit investigation system is weak,the loan use tracking management is missing,the blockchain system has security risks,and the distributed system is unstable.Corresponding optimization suggestions should be given to solve the above problems.Finally,the research of this paper aims to realize the theoretical value of improving the personal credit risk control system of We Bank under the background of informatization,and has practical value for We Bank to optimize the application of blockchain technology in personal credit risk control. |
