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

摘要： 我国征信行业普遍存在小微企业贷款难、风控管理难、数据市场监管难等困境，而当前一些先进征信实施模式的有效数据共享和风险管控模式具有启示意义.在调研我国征信情况和现有征信系统的基础上，分析了典型征信模式的特点及其推广中遇到的困难，提出了将“互链网+智能合约+预言机”的新型区块链技术与当前模式相融合，针对典型征信模式设计了适用于全国推广的区块链征信新模式框架和征信业务流程，在保护数据隐私的前提下提高数据透明度，保障穿透式监管，能有效解决小微企业的征信服务难题.

关键词: 区块链, 征信新模式, 智能合约, 互链网, 预言机