数字人民币在征信体系中的锚定效应及实施策略OA

[Research purpose]At present,the credit information system in our country faces problems such as a single data source and cross-institutional information barriers.The aim is to provide a theoretical basis and strategic suggestions for the construction of a new type of credit information system with Chinese characteristics,and to facilitate leveraging the data on the digital currency(e-CNY)chain as a credit anchor.[Research method]Based on the three-dimensional analysis framework of"technical foundation layer—data application layer—institutional guarantee layer",this study comprehensively applies normative analysis and systematic argumentation methods to analyze the anchoring effect mechanism of e-CNY.Firstly,it explores how e-CNY can empower the credit information system;secondly,at the technical foundation layer,it explains the enabling mechanism of blockchain and AI technologies on data credibility and intelligent assessment;at the data application layer,it studies the role mechanism of cross-validation of multiple sources of information in credit profiling;at the institutional guarantee layer,it analyzes how sandbox supervision and standard systems ensure the compliant circulation of data;finally,from the perspectives of infrastructure,ecological collaboration and risk prevention,it proposes specific implementation paths.[Research conclusion]Studies have shown that using the data on the e-CNY chain as a credit anchor can enhance the accuracy and response speed of the credit information system.It is proposed to establish a"central bank—commercial bank"distributed data pool,design an intelligent contract-driven credit assessment and execution system,design an incentive-compatible data contribution mechanism,and adopt a hierarchical permission management and privacy protection technology,in order to accelerate the efficient utilization of credit data.