| As technology continues to evolve,the further development of information technology is leading humanity into a new era of lifestyle change.In this context,the blockchain technology,as one of the important achievements in the development of technological innovation in the history of mankind,has shown important progress in the protection of personal privacy and data security.At the same time,even though the traditional credit system in China has been well established,there are still many pain points,such as the serious phenomenon of information silos between various data sources.The traceability,data security and tamper-proof nature of blockchain technology are a natural fit with the construction of China’s credit system.The application of blockchain technology in the field of credit collection can make up for its shortcomings,and at the same time will help break down information silos,realise an interconnected and shared credit collection system,provide financial institutions with more comprehensive,accurate and secure credit data,and thus better meet the credit needs of users.In order to make blockchain technology better applied to the construction of credit system,promote the high-quality development of China’s credit system,and realize the coverage and change of "blockchain + credit",this paper introduces in detail the pain points and development history of traditional credit,the core technology of blockchain technology and its characteristics,and uses the central bank’s use of blockchain technology to promote The paper also discusses the development of credit chains,taking the Yangtze River Delta credit chain built by financial institutions using blockchain technology as an example.The series of applications of blockchain technology in the Yangtze River Delta credit chain provide a wide range of references to promote the construction of "blockchain+credit",thus using it as a sample to conduct a SWOT analysis of "blockchain+credit" in order to promote "blockchain+credit" in China.The SWOT analysis of "blockchain+credit" as a sample will provide useful reference and inspiration for China to promote the change of "blockchain+credit" model.Finally,it proposes recommendations for the compliance development of "blockchain+credit" and looks forward to the future development of blockchain technology in the credit system. |
