北京邮电大学学报(社会科学版) ›› 2020, Vol. 22 ›› Issue (5): 39-47.doi: 10.19722/j.cnki.1008-7729.2020.0009

• 经济与管理 • 上一篇    下一篇

基于区块链技术的P2P网贷平台道德风险治理

魏建国(1963—),男,湖北武汉人,教授,博士生导师   

  1. 武汉理工大学 经济学院,湖北 武汉430070
  • 收稿日期:2020-01-14 出版日期:2020-10-30 发布日期:2020-11-06
  • 作者简介:魏建国(1963—),男,湖北武汉人,教授,博士生导师
  • 基金资助:
    教育部人文社会科学研究规划基金项目(17YJA870006)

Moral Hazard Governance of P2P Online Lending Platform Based #br# on Blockchain Technology

  1. School of Economics, Wuhan University of Technology, Wuhan 430070, China
  • Received:2020-01-14 Online:2020-10-30 Published:2020-11-06

摘要: 结合区块链技术去中心化、分布式账本、智能合约、数据不可篡改和共识机制等特征,利用博弈思想论证将区块链技术应用于P2P网贷平台道德风险治理的契合性,制定基于区块链技术的P2P网贷平台道德风险治理机制(包括基于区块链技术的网贷平台基础架构设计、建立以联盟链为底层网络的“四位一体”社会约束机制、搭建区块链网贷黑名单共享平台、数字化身份认证以及建立记录机制),最后提出基于区块链技术的P2P网贷平台道德风险治理建议。

关键词: P2P网贷平台, 道德风险, 区块链技术

Abstract:  Based on the characteristics of decentralization, distributed ledger, intelligent contract, data non-tamperability and consensus mechanism of blockchain technology, the application feasibility of blockchain technology to the moral hazard management of P2P online lending platform is demonstrated by using the game theory, and moral hazard governance mechanism of the platform based on blockchain technology is formulated, including blockchain-based infrastructure design of the platform, establishment of “four-in-one” social constraint mechanism with the alliance chain as the underlying network, construction of online lending blacklist sharing platform, and digital identity authentication and record-making mechanism. Finally, suggestions on moral hazard governance of P2P online lending platform based on blockchain technology are put forward.

Key words: P2P online lending platform, moral hazard, blockchain technology

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