关键词: 区块链, 征信新模式, 智能合约, 互链网, 预言机

Abstract: Our country’s credit investigation industry is generally faced with difficulties such as difficulty in loaning for small and micro enterprises, difficulty in risk control and management, and difficulty in data market supervision. The effective data sharing and risk control models of some current advanced credit investigation implementation models have enlightening significance for our country’s credit investigation industry. Based on the investigation of our country’s credit investigation and existing credit investigation systems, the characteristics of typical credit investigation models and the difficulties encountered in their promotion were analyzed. Integrate with current model, a new type of blockchain technology “interchain network+smart contract+oracle” is proposed. For the typical credit investigation model, a new model framework of blockchain credit investigation and credit investigation business processes that are suitable for nationwide promotion are designed. On the premise of protecting data privacy, improving data transparency and ensuring penetrating supervision can effectively solve the problem of credit investigation services for small and micro enterprises.

Key words: blockchain, new model of credit investigation, smart contract, interchain network, oracle