区块链大型巡回播放第184期“信用建立演化”

金融的核心就是信用的建立，最原始的商品经济是以物品换取物品，这样不利之处在于，持有人的需求不一致，或者说想要换取自己想要的物品，要经历N次交换和思考，交易成本也很高。如果想让市场经济更好的发展，需要降低交易成本，于是归结于利用信用建立交易的方式，信用建立太重要了，传统信用建立靠的是多个中心机构，多个中心有很多问题，例如成本很高，中心化控制严重，信用可重复擦写。

互联网金融如支付宝一样，他们正在依靠大数据来建立信用大厦，目前金融方面，对于普通用户来说，中小企业很难贷款生存下来，相反大型的企业可以负债几十亿去亏损经营，个人贷款正常的手续也很麻烦，需要信用履历、贷款履历、工作状况等，传统的信用只有依靠大数据去支撑，它可以让信用建立比传统的收放资金所需要的成本更低，包括点对点、众筹等，都在促使建立成本在逐渐下降，但是这些信息孤岛、数据所有权等等问题始终解决不了。

At the heart of finance is the creation of credit, the original Commodity of which was the exchange of goods for goods. The disadvantage of this is that it takes many exchanges and reflections for the holder to have inconsistent needs, or to want to exchange goods for himself, transaction costs are high. If we want the market economy to develop better, we need to reduce transaction costs, so it comes down to the way we use credit to establish transactions. Credit establishment is too important. Traditional credit establishment relies on many central institutions, and many central institutions have many problems, for example, the cost is very high, centralized control is serious, credit can be re-written.

Internet finance is like Alipay, they are relying on big data to build the building of credit, at present, for ordinary users, small and medium-sized enterprises loans to survive, in contrast, large enterprises can run at a loss or one billion in debt, and the normal procedures for personal loans are cumbersome, requiring credit histories, loan histories, and work conditions. Traditional credit is only supported by big data, it allows credit to be set up at a lower cost than traditional funds, including peer-to-peer, crowdfunding, and so on, but these information islands, data ownership and so on the problem can not be solved.

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编译者/作者：醉玲珑

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