区块链大型巡回播放第236期“信誉价值”

人无信、而不立，对于当前的社会可能是空谈，

因为没有信誉的人，还是继续在进行着不良的活动，

例如食品加工的道德底线突破，外卖餐盒使用废弃的医疗输液管，

币圈不良份子正在换个身份进行产品迭代等等，

当你申请一张信用卡，或者是想要贷款，银行需要查询个人的征信，

个人的信用分数反映了信贷价值和违约等情况，可能你曾经违约还款，

这里都有详细的履历记录，但是这种信用积分有很多缺点，

比如就像面试的时候向大学生要工作经历，同样一个年轻人没有信用记录，这些因素反而不利。

其次，金融信贷鼓励那些没有收入的人去申请信用卡，这也是不合理的体现。

还有就是，目前银行评分系统很难去用公式去表示，很难去量化记录下来，并且在国外如果你没有任何声誉记录，可能连银行的有效**都没有*法开启。区块链技术可以带来不一样的变化？

根据个人各种属性以及之前的交易记录，

我们可以为此生成一种新替代选项，区块链要做的是在需要信任元素的各方之间达成建立信任关系，

根据过去在区块链上的经济活动以及社会资本因素，不仅可以确保贷款资金正常放贷，而且还可以强制保证借款人按照约定支付利息，

区块链创造出一个不可篡改的存储交易，每一笔交易会影响个人的声誉，基于这种声誉系统，

年轻人更有机会得到创业的启动资金，这些措施会降低参与者的活动成本，增加破坏者的参与成本，这也是一种激励，

通过这种工具，累计声誉积分，根据共识价值来进行商业交易，信誉价值会得到很好的展现。

People who lack trust and don't stand up for themselves may be empty talk in today's society, because people who don't have trust continue to engage in undesirable activities, such as ethical bottom line breakthroughs in food processing, takeout boxes using discarded medical tubes, when you apply for a credit card, or want to borrow money, the bank needs to check the credit of the individual. The credit score of the individual reflects the credit value and defaults, and so on, you may have defaulted on a payment, but there are many drawbacks to this type of credit score, such as asking a college student for Work Experience during an interview, and a young person with no credit history, these factors work against us. Second, financial credit encourages people with no income to apply for credit cards, which is also irrational.

Also, it's hard to formulate a bank rating system, it's hard to quantify, and if you don't have any reputation records abroad, you may not even be able to open a bank's valid credentials. Can blockchain technology make a difference? Depending on the individual's attributes and prior transaction history, we can generate a new alternative to this. What the blockchain does is build trust between the parties that need the element of trust, based on the economic activities and social capital factors in the blockchain in the past, it can not only ensure the normal lending of loan funds, but also force the borrower to pay interest according to the agreement, the blockchain creates an untamable store transaction, where each transaction affects an individual's reputation. Based on this reputation system, young people have better access to start-up capital, which reduces the cost of activities for participants, it is also an incentive to increase the cost of participation for the spoiler, through which reputation points are accumulated and business transactions are conducted on the basis of agreed value, which is well represented.

备注：以上中英文，中文部分为原创内容，英文为对应的翻译，为了更好的学习英语和服务于读者，所以陈述如上，随着区块链巡回内容不断的展示，后期内容会越来越精彩。

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编译者/作者：醉玲珑

玩币族申明：玩币族作为开放的资讯翻译/分享平台，所提供的所有资讯仅代表作者个人观点，与玩币族平台立场无关，且不构成任何投资理财建议。文章版权归原作者所有。