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Literature review of blockchain credit management
Publish: 2021-05-19 20:36:41
1. Yunnan metallurgy used to be called Gejiu Yunxi company, Dongchuan Mining Bureau, Yimen copper mine and Huize Lead zinc mine.
2. The entry threshold of virtual currency is the lowest, which is relatively reliable. Choose regular exchange hot currency or okex. Leverage trading of foreign exchange futures is very risky. The stock market is not perfect and has little investment value at present.
3. It mainly depends on your technology. You can do it separately,
my foreign exchange cost is low, only a little difference, no hand fee
my foreign exchange cost is low, only a little difference, no hand fee
4. In the current market economy, the integrity of online trading is based on the enterprise or indivial itself, but the development of online trading is still hot, in essence, because it meets people's needs. But with the continuous development of blockchain technology, blockchain can also see such a trend, because it is able to build a bridge of trust between people
blockchain technology is also known as distributed ledger. Generally speaking, if we assume that the database is an ledger, reading and writing the database can be regarded as a kind of bookkeeping behavior. The principle of blockchain technology is to find the fastest and best person for bookkeeping in a period of time, and let this person do the bookkeeping, This page of the ledger is then sent to everyone else in the system. This is equivalent to changing all the records in the database and sending them to every other node in the whole network, which can not only ensure the data security, but also ensure the authenticity of the data, so as to enhance the social credit.
blockchain technology is also known as distributed ledger. Generally speaking, if we assume that the database is an ledger, reading and writing the database can be regarded as a kind of bookkeeping behavior. The principle of blockchain technology is to find the fastest and best person for bookkeeping in a period of time, and let this person do the bookkeeping, This page of the ledger is then sent to everyone else in the system. This is equivalent to changing all the records in the database and sending them to every other node in the whole network, which can not only ensure the data security, but also ensure the authenticity of the data, so as to enhance the social credit.
5. As one of the icebreakers of blockchain technology development and application, jinwowo group has made substantial progress in how to innovate the blockchain business model, create a blockchain circle with regional characteristics, and build blockchain patent protection. In terms of serving the national small and medium-sized enterprises, jinwowo has formed a big data service platform with blockchain as the underlying technology. Through efficient and real collection of user data, analysis and research of user behavior, it helps businesses and users to establish "Credit ID card" and build instry credit relationship, so as to promote the development and improvement of Internet and social credit system.
6. Countermeasures to improve the personal credit system
the implementation of consumer credit has taken a substantial step to open the deadlock of the domestic economy. With the government's strong support and the media's support, its development should have a significant effect on starting domestic demand and stimulating economic growth, but in practice, it is an indisputable fact that consumer credit is "good but not good". The lack of personal information and the complexity of credit proceres have firmly constrained the deep development of consumer credit. In order to ensure its steady and free operation, the demand for the establishment of personal credit system has become more and more obvious
the so-called personal credit system refers to a series of text materials and rules of conct with legal effect established to prove, explain and verify the credit of natural persons. Specifically, it includes personal credit registration system, personal credit evaluation system, personal credit file registration system, personal credit risk early warning system, personal credit risk management system and personal credit risk transfer system. With a relatively perfect personal credit system, the dynamic registration and evaluation of personal credit activities and the early warning and transfer of credit risks can be realized. Banks can obtain the credit status of consumers according to the historical records of customers' credit, self-evaluation or professional evaluation institutions, determine the customers' risk tolerance, and then make decisions, So as to effectively prevent or eliminate the risk of consumer credit< First, the positive role of personal credit system will fundamentally eliminate the "hotbed" of crime such as private deposit of public funds and small Treasury. On the one hand, it is helpful for law enforcement agencies to investigate and collect evidence, and remove the "disguise" of money laundering, corruption, bribery and embezzlement; On the other hand, it also prevents and blocks the occurrence of "corruption, bribery and embezzlement" cases from the source, and promotes the development of clean government construction
2. The establishment of personal credit system enables banks to know the income of customers like the palm of their hand, so as to ensure the real amount of income tax collection and ensure the revenue of Finance and taxation. Specifically, through the establishment of personal credit system and the implementation of deposit real name system, banks can record all the revenue and expenditure information of customers. When the tax authorities collect taxes according to law, it is very easy to accurately calculate the amount of indivial income tax payable, and effectively prevent the loss of tax sources
3. It provides a reliable basis for banks to boldly try consumer credit. Through the establishment of personal credit system and the implementation of credit evaluation of customers, on the one hand, it can eliminate the familiarity with credit registration in a bank, appropriately simplify the issuing procere of consumer credit, and improve the efficiency of work
4. It provides the premise for the implementation of effective financial supervision and the development of consumer credit. At present, e to the lack of information and unclear credit rating, banks often blindly increase the approval proceres of consumer credit e to the serious phenomenon of "fearing" and "reluctant" to lend to indivial customers who implement consumer credit. As a result, the "hands and feet" of consumer credit are seriously constrained. In order to ensure the safe and steady development of consumer credit, it is more and more necessary to establish China's personal credit system objectively
5. It helps to standardize the credit environment and promote the formation of a good credit concept. At present, the concept of personal credit is weak. The vicious credit atmosphere of "borrowing money to be a son and repaying money to be Lao Tzu" has a bad influence. It is advantageous to borrow money in arrears, breach of contract and malicious overdraft of cardholder. There are many vicious economic behaviors with reasonable debt. When the credit expansion of society rises suddenly, the change of consumption mode from accumulation to credit will inevitably become "drawing water from a bamboo basket", Only by establishing the restraint mechanism of personal credit system can we realize the smooth transition of consumption structure< Second, the status quo of China's personal credit system and its impact
1. The concept of residents' personal credit is weak
under the traditional economic system, personal credit is characterized by enterprise credit, while enterprise credit is backed by national credit. In addition, both state-owned enterprises and state-owned banks are owned by the state, and the relationship of creditor's rights and debts between them is that between different agents of the same owner. Under such a system, the property rights of credit subjects among indivials, enterprises and banks are not clear, and it is difficult to conct equal and standardized credit transactions as independent credit subjects, which leads to the weak concept of personal credit. As a result, there are many non credit behaviors in the economy, the most prominent of which is triangle debt. Because triangle debt has not been cured for a long time, it has formed a vicious credit relationship of "favorable debt" and "reasonable debt", and "non credit" behaviors spread between enterprises and banks, between state-owned economy and non-public economy, and between credit institutions and the public, Even when the local government connived at or even participated in the activities, some lawless elements in the society were fishing in troubled waters, so that fund-raising, money fraud, usury and other activities were rampant for a while. In addition, the law failed to crack down on these criminal activities. For a long time, it caused the situation that the gentlemen (the trustworthy) were damaged and the villains (the dishonest) were reversed, It has seriously hindered the establishment of people's concept of credit
2. Lack of objective and reliable personal credit data
for the complete content, please refer to the introction here:
http://www.3722.cn/listknowhow.asp?articleid=48892
the implementation of consumer credit has taken a substantial step to open the deadlock of the domestic economy. With the government's strong support and the media's support, its development should have a significant effect on starting domestic demand and stimulating economic growth, but in practice, it is an indisputable fact that consumer credit is "good but not good". The lack of personal information and the complexity of credit proceres have firmly constrained the deep development of consumer credit. In order to ensure its steady and free operation, the demand for the establishment of personal credit system has become more and more obvious
the so-called personal credit system refers to a series of text materials and rules of conct with legal effect established to prove, explain and verify the credit of natural persons. Specifically, it includes personal credit registration system, personal credit evaluation system, personal credit file registration system, personal credit risk early warning system, personal credit risk management system and personal credit risk transfer system. With a relatively perfect personal credit system, the dynamic registration and evaluation of personal credit activities and the early warning and transfer of credit risks can be realized. Banks can obtain the credit status of consumers according to the historical records of customers' credit, self-evaluation or professional evaluation institutions, determine the customers' risk tolerance, and then make decisions, So as to effectively prevent or eliminate the risk of consumer credit< First, the positive role of personal credit system will fundamentally eliminate the "hotbed" of crime such as private deposit of public funds and small Treasury. On the one hand, it is helpful for law enforcement agencies to investigate and collect evidence, and remove the "disguise" of money laundering, corruption, bribery and embezzlement; On the other hand, it also prevents and blocks the occurrence of "corruption, bribery and embezzlement" cases from the source, and promotes the development of clean government construction
2. The establishment of personal credit system enables banks to know the income of customers like the palm of their hand, so as to ensure the real amount of income tax collection and ensure the revenue of Finance and taxation. Specifically, through the establishment of personal credit system and the implementation of deposit real name system, banks can record all the revenue and expenditure information of customers. When the tax authorities collect taxes according to law, it is very easy to accurately calculate the amount of indivial income tax payable, and effectively prevent the loss of tax sources
3. It provides a reliable basis for banks to boldly try consumer credit. Through the establishment of personal credit system and the implementation of credit evaluation of customers, on the one hand, it can eliminate the familiarity with credit registration in a bank, appropriately simplify the issuing procere of consumer credit, and improve the efficiency of work
4. It provides the premise for the implementation of effective financial supervision and the development of consumer credit. At present, e to the lack of information and unclear credit rating, banks often blindly increase the approval proceres of consumer credit e to the serious phenomenon of "fearing" and "reluctant" to lend to indivial customers who implement consumer credit. As a result, the "hands and feet" of consumer credit are seriously constrained. In order to ensure the safe and steady development of consumer credit, it is more and more necessary to establish China's personal credit system objectively
5. It helps to standardize the credit environment and promote the formation of a good credit concept. At present, the concept of personal credit is weak. The vicious credit atmosphere of "borrowing money to be a son and repaying money to be Lao Tzu" has a bad influence. It is advantageous to borrow money in arrears, breach of contract and malicious overdraft of cardholder. There are many vicious economic behaviors with reasonable debt. When the credit expansion of society rises suddenly, the change of consumption mode from accumulation to credit will inevitably become "drawing water from a bamboo basket", Only by establishing the restraint mechanism of personal credit system can we realize the smooth transition of consumption structure< Second, the status quo of China's personal credit system and its impact
1. The concept of residents' personal credit is weak
under the traditional economic system, personal credit is characterized by enterprise credit, while enterprise credit is backed by national credit. In addition, both state-owned enterprises and state-owned banks are owned by the state, and the relationship of creditor's rights and debts between them is that between different agents of the same owner. Under such a system, the property rights of credit subjects among indivials, enterprises and banks are not clear, and it is difficult to conct equal and standardized credit transactions as independent credit subjects, which leads to the weak concept of personal credit. As a result, there are many non credit behaviors in the economy, the most prominent of which is triangle debt. Because triangle debt has not been cured for a long time, it has formed a vicious credit relationship of "favorable debt" and "reasonable debt", and "non credit" behaviors spread between enterprises and banks, between state-owned economy and non-public economy, and between credit institutions and the public, Even when the local government connived at or even participated in the activities, some lawless elements in the society were fishing in troubled waters, so that fund-raising, money fraud, usury and other activities were rampant for a while. In addition, the law failed to crack down on these criminal activities. For a long time, it caused the situation that the gentlemen (the trustworthy) were damaged and the villains (the dishonest) were reversed, It has seriously hindered the establishment of people's concept of credit
2. Lack of objective and reliable personal credit data
for the complete content, please refer to the introction here:
http://www.3722.cn/listknowhow.asp?articleid=48892
7. All liars! They are the people who cheat money by seizing our idea and pay face-to-face if they want! Don't be cheated!
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