CN108830490A - A method of dynamic enterprise credit scoring is managed using publicly-owned block chain - Google Patents
A method of dynamic enterprise credit scoring is managed using publicly-owned block chain Download PDFInfo
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Abstract
Present invention mainly discloses a kind of methods using the management dynamic enterprise credit scoring of publicly-owned block chain,Include the following steps,User on block chain by registering first,Unique registration code can be obtained respectively,The main body of each user credit corresponds to a block chain,Credit block chain uses distributed storage mode,Each user can have oneself a pair of of public key and private key,First piece of each credit block chain is registration information of the user oneself with the private key encryption of oneself,And the confirmation form for a oneself private key encryption signature of sending out user each,Then it is added information in the credit block chain of this user according to the registration code of user,The system for being broadcast to each distribution storage,With safety,Sharing is high,Lower Cost of Credit,The advantages that decentralization, serves enterprise and user,It is objective to realize,Accurately the advantages of just credit appraisal.
Description
Technical field
The present invention relates to block chain technical fields, especially a kind of to manage dynamic enterprise credit scoring using publicly-owned block chain
Method.
Background technique
Block chain technology is derived from the founder paper that Nakamoto S was delivered in 2008《Bit coin：A kind of point-to-point electricity
Sub- cash system》.For narrow sense, block chain is that data block is combined by one kind in such a way that sequence is connected sequentially in time
A kind of linked data structure, and the distributed account book that can not be distorted He can not forge guaranteed in a manner of cryptography；Broad sense is come
It says, block chain technology is to verify to know together algorithm next life with storing data, using distributed node using block linked data structure
At guarantee with more new data, in the way of cryptography data transmission and access safety, using by automatized script code-group
At intelligent contract program the completely new distributed basis framework and calculation paradigm of one kind with operation data.According to current block
The development grain of chain technology, block chain technology will be undergone using programmable digital encryption currency system as the block chain of main feature
1.0 modes, be to may be programmed financial system as 2.0 mode of block chain of main feature and with programmable society main feature area
3.0 mode of block chain.Public block chain refers to the whole world, and anyone can be read, transaction progress validation can be transmitted, any
People can participate in the block chain of its process of knowing together, and (common recognition process is to maintain this distributed data base consistency of block chain, accurate
The key technology of property.Data record on block chain discloses, and owner can access, and can issue transaction request, and lead to
It crosses verifying and is written into block chain.The participant of common recognition process safeguards the peace of public block chain data by cryptological technique jointly
Entirely, transparent, can not distort.The typical case of public block chain includes bit coin, ether mill etc..Public block chain is to be distributed completely
The block chain of formula, block chain number are convenient for application and promotion it is disclosed that user degree of participation is high, while being easy to generate network effects.So
The built-in incentive mechanism and the operation of system needs to rely on.It is more valuable that the data saved are attempted on public block chain, are more wanted
Examine its safety and safety bring transaction cost, system expandability problem closely.
In financial system, reference is important financial infrastructure, is Chinese Credit Establishing and credit transaction hair
The basis of exhibition has the characteristics that quasi-public production, scale economy and straight outside.The central role of personal reference is to pass through collection
Credit information, credit transaction record are the effective Keeping Credit Risk Away of financial institution to reduce the information asymmetry in financial system
Informational support is provided, to reduce financial institution and the risk exposure of investor.People's Bank of China's credit investigation system was from 2006
It builds up, improves level of risk management for financial institution, lending market sound development is promoted to provide powerful support, but levied playing
There are systems and technical bottleneck in terms of believing core function, meeting data processing, service of goods quick response, and personal reference is caused to be covered
The range notch of lid financial consumption person, financial product and financial transaction are larger.Credit investigation system lagging in development has become restriction
The major reason that China's finance Allocation Efficiency improves.
Central Bank's credit investigation system financial credit information database acquires individual in the financial institutions such as business bank, society
The relevant information that the government departments such as public services, the tax and the law courts such as safety management department, water power combustion gas are scattered, wherein
The credit transaction record of financial institution is through the core index frequently as evaluation individual credit risk.Financial institution can refer to personal letter
Credit risk, credit line and Cost of Credit are measured with historical record, and finally judges whether to provide financial service.In reality,
From carry out reference to assessing credit risks, then to financial credit process exist macroscopically with it is microcosmic it is upper two aspect credit letter
Cease the contradiction of missing.
Especially from macroscopically, traditional credit system is difficult to cover and be produced due to internet finance and the rise of general favour finance
Raw financial consumption Long Tail Market part, which means that China's there are a large amount of loan repayment capacities individual that is low, having Financial Demands, he
Covered because lacking reference information, or even not by Central Bank's credit investigation system, keep credit transaction risk high, reference is to this part
Group does not play the role of reducing information asymmetry in credit transaction in advance, can not also play the machine broken one's promise and disciplined as a warning afterwards
System.
Since the cost that Credit Risk Evaluation and behavior are supervised allows most of financial institution to be difficult to bear, financial institution is to keep away
Exempt to cause credit risk by the repulsion of this partial mass except financial system, forms credit information missing and financial service is insufficient
Circulation and negative-feedback.With the emergence of internet finance, the long-tail demand in formal finance system can be in internet finance
Financial service is quickly obtained in mechanism.Information technology and financial circles mutually merge, and span finance caused by reference deficiency and repel
Effect provides effective way to alleviate Supply and demand of finance distortion.However, credit system is not perfect to make credit information degree of share not
Height, individual is broken one's promise, and cost is relatively low, causes credit information service to excessive debt-credit existing under new financial models, malice promise breaking, false friendship
Easily equal serious damages internet financial industry reputation and seriously to destroy the new problems such as normal credit transaction helpless.
2016, what the summit of the Hangzhou G20 passed through《The advanced principle of the general favour finance of G20 number》(hereinafter referred to as《Advanced principle》)
It proposes, by developing client identity identifying system, improves the availability of digital financial service, which should may have access to, can bear,
It can verify that, and should be with the various demands of the development client's responsible investigation of the method based on risk and various risk class.Block chain skill
Art has the characteristics that distribution, common recognition trust, Encryption Algorithm, can not change, derived from the Floor layer Technology of bit coin, in digital goods
Application value in the scenes such as coin, international payment, securities trading is by extensive discussions.
It is more obvious the drawbacks of credit scoring system in the prior art, two aspects are based primarily upon, microcosmic angle and macro is divided into
Angle is seen, credit appraisal is that transaction cost is relatively high on macroscopic perspective, and under current credit system, the collection of credit information is needed
Very high cost is wanted, while highly being monopolized again, causes the cost of credit appraisal high, cross-border transaction is due to territorial jurisdiction
The problem of power, can hinder the development of global trade so that the cost of cross-border credit is higher, hinder resource excellent in global economy
Change configuration.
The traditional credit rank assessment mode data of microcosmic angle is easy to be tampered, and is hacked that risk is big, and appraisal result is often
Not objective and accurate enough, centralization tendency is obvious, and power control data often concentrates on individual audient, thus evaluate data reliability compared with
It is low.
Summary of the invention
It is commented in view of the deficienciess of the prior art, the present invention provides a kind of utilization publicly-owned block chain management dynamic enterprise credit
The advantages that method divided has safety, and sharing is high, attenuating Cost of Credit, decentralization serves enterprise and user, thus in fact
It is existing objective, accurate just credit appraisal.
In order to achieve the above object, the present invention is achieved through the following technical solutions：It is a kind of to utilize publicly-owned block chain management
The method of dynamic enterprise credit scoring, includes the following steps：
(1) user can obtain unique registration code, each user credit by registering on block chain respectively first
Main body all correspond to a block chain, call for credit block chain, credit block chain number is equal to the number of users of registration, credit
Block chain uses distributed storage mode, and exactly all users can store a block chain；
(2) each user can have oneself a pair of of public key and private key, and first piece of each credit block chain is user
Oneself is with the registration information of the private key encryption of oneself, and the confirmation form that send out a oneself private key encryption signature of user each,
Then it is added information in the credit block chain of this user according to the registration code of user, be broadcast to each distribution storage is
System；
(3) confirmation of credit block chain when each distributed storage system receives a new credit block chain, can use the group
The public key knitted first verifies its signature, if passed through, is added on the credit block chain of this user.
The present invention is further arranged to：The user includes personal, enterprise and each government department.
The present invention is further arranged to：When there are business contact, government department's meeting in government department and enterprise (or personal)
It sends one and issues this enterprise (or personal) with the file of oneself private key signature containing business tine information, business is completed
Afterwards, this enterprise (or personal) can by oneself terminal by the confirmation form one of credit appraisal information and signature reinstate enterprise (or
Person is personal) private key encryption, then added information in the credit block chain of this government department according to the registration code of government.
The present invention is further arranged to：The main body of each credit possesses an independent client, does not have center service end,
Each client is directly point-to-point to be communicated.
The present invention is further arranged to：The main body of credit may include any things, as long as having the only of credit attribute
Vertical main body can construct credit system by block chain.The main body of credit may include the confidence in the currency of bit coin, than
Special coin credit be considered as block chain credit a special case and personal credit, business standing, public credit, commodity credit,
Knowledge credit, information credit etc..
The present invention is further arranged to：The block chain that block chain credit data is made of the credit block chain of many main bodys
Cluster.For credit block chain since entire database may be very huge, PC can not store complete block chain database, so
Most of PC stores the configuration index and sub-fraction data of entire database, can both ensure database in this way
The distributed amount of storage that can reduce individual client end again.
The present invention has the beneficial effect that：
Distributed storage mode lowers Cost of Credit.If establishing global credit block chain, that is, global credit book keeping operation
This, can ensure some agreement implementation, therefore it is the automatic system for collecting credit information, is had by internet
The characteristic that marginal cost is zero, so as to which Cost of Credit can be greatly reduced.
Break the monopolization of traditional credit rating enterprise, block chain credit model uses distributed memory module, owner
It can be obtained by client, block chain is formed without personal or enterprise and is monopolized, it is all to break traditional credit and comment
The monopolization of grade company.
Really realize fairization and democratization of credit.It Internet era, can be by entire internet system as the
Tripartite, rather than traditional evaluation company, internet are not present interests preference, can accomplish impartial.Execution can pass through
Code executes automatically, reduces the interference of human factor, and system has more reliable, more fair, more inexpensive feature.
Detailed description of the invention
Fig. 1 is publicly-owned block chain schematic diagram in the present invention；
Fig. 2 is business standing block chain-cluster in the present invention；
Fig. 3 is the composition of business standing block chain in the present invention；
Fig. 4 is public credit block chain-cluster in the present invention.
Specific embodiment
In conjunction with attached drawing, present pre-ferred embodiments are described in further details.
A kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain picture 1-4, includes the following steps：
User first can obtain unique registration code by registering on block chain respectively, each user credit
Main body all corresponds to a block chain, calls for credit block chain, number of users of the credit block chain number equal to registration, Mei Gexin
Main body possesses an independent client, does not have center service end, and each client is directly point-to-point to be communicated.Credit
Main body, may include any things, can be constructed by block chain as long as having the independent main body of credit attribute
Credit system.The main body of credit may include the confidence in the currency of bit coin, and bit coin credit is considered as the one of block chain credit
A special case and personal credit, business standing, public credit, commodity credit, knowledge credit, information credit etc..Credit block chain
Using distributed storage mode, exactly all users can store a block chain；
Each user can have oneself a pair of of public key and private key, and first piece of each credit block chain is user oneself
With the registration information of the private key encryption of oneself, and the confirmation form that send out a oneself private key encryption signature of user each, then
It is added information in the credit block chain of this user according to the registration code of user, the system for being broadcast to each distribution storage；
The user includes personal, enterprise and each government department, when there are business contact in government department and enterprise (or personal),
Government department can send one and issue this enterprise (or personal) with the file of oneself private key signature containing business tine information,
After the completion of business, this enterprise (or personal) can be reinstated the confirmation form one of credit appraisal information and signature by the terminal of oneself
The private key encryption of enterprise (or personal), then adds information to the credit area of this government department according to the registration code of government
In block chain.
The confirmation of credit block chain when each distributed storage system receives a new credit block chain, can use the tissue
Public key, first verify its signature, if passed through, be added on the credit block chain of this user.
The block chain-cluster that block chain credit data is made of the credit block chain of many main bodys, credit block chain is due to whole
A database may be very huge, and PC can not store complete block chain database, so most of PC storage
The configuration index and sub-fraction data of entire database can not only ensure the distribution of database in this way but also can reduce a
The amount of storage of people's client.
The block chain main body credit accreditation of non-confidence in the currency is the digital signature by application Asymmetric encryption come real
Existing.There are three types of mode, 1, pass through transaction record accumulation certification, realization anonymous patterns.Certification does not need to pass through proof of work
It is worth, according to the transaction record realization body credit accreditation in block chain；2, pass through Third Party Authentication for actual identity and visitor
The binding of family end, is substantially the mode of system of real name；3, identity anonymous, but assets carry out certification registration by Third Party Authentication mechanism
Into block chain, can be compensated automatically in promise breaking.
Distributed storage mode lowers Cost of Credit.If establishing global credit block chain, that is, global credit book keeping operation
This, can ensure some agreement implementation, therefore it is the automatic system for collecting credit information, is had by internet
The characteristic that marginal cost is zero, so as to which Cost of Credit can be greatly reduced.
Break the monopolization of traditional credit rating enterprise, block chain credit model uses distributed memory module, owner
It can be obtained by client, block chain is formed without personal or enterprise and is monopolized, it is all to break traditional credit and comment
The monopolization of grade company.
Really realize fairization and democratization of credit.It Internet era, can be by entire internet system as the
Tripartite, rather than traditional evaluation company, internet are not present interests preference, can accomplish impartial.Execution can pass through
Code executes automatically, reduces the interference of human factor, and system has more reliable, more fair, more inexpensive feature.
Above-described embodiment is only used for illustrating inventive concept of the invention, rather than the restriction to rights protection of the present invention,
It is all to be made a non-material change to the present invention using this design, protection scope of the present invention should all be fallen into.
Claims (6)
1. a kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain, includes the following steps：
User can obtain unique registration code, the main body of each user credit by registering on block chain respectively first
A block chain is all corresponded to, is called for credit block chain, number of users of the credit block chain number equal to registration, credit block chain
Using distributed storage mode, exactly all users can store a block chain；
Each user can have oneself a pair of of public key and private key, and first piece of each credit block chain is user oneself with certainly
The registration information of oneself private key encryption, and the confirmation form for a oneself private key encryption signature that send out user each, then basis
The registration code of user adds information in the credit block chain of this user, the system for being broadcast to each distribution storage；
The confirmation of credit block chain when each distributed storage system receives a new credit block chain, can use the public affairs of the tissue
Key first verifies its signature, if passed through, is added on the credit block chain of this user.
2. a kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain according to claim 1, feature
It is：The user includes personal, enterprise and each government department.
3. a kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain according to claim 2, feature
It is：When government department and enterprise（Or it is personal）There is business contact, government department can send one and believe containing business tine
Breath issues this enterprise with the file of oneself private key signature（Or it is personal）, after the completion of business, this enterprise（Or it is personal）It can lead to
The confirmation form one of credit appraisal information and signature is reinstated enterprise by the terminal for crossing oneself（Or it is personal）Private key encryption, then root
It is added information in the credit block chain of this government department according to the registration code of government.
4. a kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain according to claim 1 or 2 or 3,
The main body of each user credit possesses an independent client, does not have a center service end, each client it is directly point-to-point into
Row communication.
5. a kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain according to claim 4, feature
It is：The main body of credit may include any things, can pass through block as long as having the independent main body of credit attribute
Chain constructs credit system.
6. a kind of method using the management dynamic enterprise credit scoring of publicly-owned block chain according to claim 1, feature
It is：The block chain-cluster that block chain credit data is made of many credit block chains.
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| CN109607341A (en) * | 2018-12-11 | 2019-04-12 | 永大电梯设备（中国）有限公司 | Blockchain-based elevator operation information management system |
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