Research On Internet Consumer Credit Management Based On Blockchain Technology

The whole process of Internet consumer credit business takes place in the Internet,and there are serious problems of information asymmetry,low data security,data silos,and violation of information sovereignty.As a kind of "trust machine",blockchain technology has proven its feasibility in many public service applications at home and abroad with its decentralized,traceable,tamper-proof and privacy-protecting features.Therefore,exploring the application of blockchain technology in the field of Internet consumer credit collection can help to solve the above-mentioned problems and promote the orderly development of this credit collection field.This paper takes the combined application of Internet consumer credit levy and blockchain technology as the research object.Firstly,the development of China’s Internet consumer credit credit collection and the current problems are analyzed.Secondly,by analyzing the operation principle of blockchain technology,a theoretical basis is provided for the empowerment of blockchain technology in the management of Internet consumer credit collection.Then,the TrustUnion product of blockchain technology applied to Internet personal credit collection is used as an overseas classic case to support the evidence,confirming that the embedding of blockchain technology can solve the problems existing in Internet consumer credit collection.Then,by constructing a structural equation model based on TAM model and analyzing the questionnaire results using SPSS26.0 software and AMOS software,the test results show that users want to use blockchain technology to solve the problem of personal credit collection in Internet consumer credit,and will increase their willingness to use Internet consumer credit platforms embedded with blockchain technology for this purpose.Once again,it is proved that the application of blockchain technology to Internet consumer credit credit collection can promote the development of this field.Finally,in response to the identified problems and the development needs of blockchain technology applied to Internet consumer credit credit,policy recommendations are made in terms of the improvement of relevant laws and regulations,the unification of personal credit collection standards,and the acceleration of application landing measures to promote the sustainable development of Internet consumer credit credit.