At present, the most basic consideration for the development of commercial bank credit business, whether for enterprises or individuals, is the financial credit possessed by the borrowers themselves. Commercial Banks upload the credit information and repayment status of each borrower to the credit reference center of the central bank, and download the information from the credit reference center of the central bank under the premise of customer authorization when necessary. There are some problems such as incomplete information, untimely data update, low efficiency and high cost.
Now, we are focusing our main energy on blockchain and the trial application
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