| We are comprehensively promoting the construction of social integrity,a mature and sound social credit system has become an important part of the national development strategy,the central bank credit investigation system should also keep up with the development of the times and reflect the needs of society.In line with the requirements of the development of the digital economy era,cash currency has the form of legal digital currency.The controllable anonymity of central bank digital currency makes central bank digital currency have the ability to assist the central bank to carry out credit investigation activities.The credit investigation system of the central bank assisted by central bank digital currency is a very valuable direction of discussion.The characteristics of the centralized issuance of central bank digital currency meet the requirements of the centralization of credit investigation activities.The alliance chain,public key and private key technology adopted in central bank digital currency can ensure the authenticity and relevance of the transaction information collected.It provides a reliable database for credit investigation activities,which is an important guarantee for the development of the combination of central bank digital currency and the credit investigation system of the central bank.When using data generated In the process of central bank digital currency transaction,we should not only prevent data leakage,but also consider citizens’ reasonable expectations for the privacy protection of transaction data.This is the most prominent difference compared with the traditional credit investigation activities of the central bank.The central bank credit investigation system assisted by central bank digital currency can promote the business reform of commercial banks,deepen the theory of "blockchain +credit investigation",and provide a practical basis for the wider public application of central bank digital currency database.it has extensive practical significance.The central bank’s credit investigation system can effectively promote the construction of social credit system and the development of economy by conforming to the changes of the trend of the times.However,while exploring the new system,we should also face up to and prevent the risks and loopholes that may exist in the new system.The promotion and application are difficult problems that a new system must face.In order to ensure the smooth promotion of the central bank credit investigation assisted by central bank digital currency in citizens and enterprises,it is necessary to protect the financial privacy of the credit subject within a reasonable limit when the public power conflicts with private rights,and also to find the way out for the credit environment of small and micro enterprises;In the face of infringement of credit investigation,we must fundamentally analyze the different causes of infringement caused by new credit investigation and traditional credit investigation in order to put forward corresponding countermeasures;we also need to sort out the existing laws and regulations to provide a sound legal basis for credit information activities.In order to ensure the smooth construction of the credit investigation system of the central bank assisted by central bank digital currency,firstly,we should lay a solid foundation for the application of the system.In the protection of citizens’ financial privacy,we need to adjust the relationship between the information "controllable" and "anonymity" of the central bank digital currency transaction according to the principle of interest balance;secondly,through the pilot practice,small and micro enterprises are promoted to enter the new credit investigation system;thirdly,we should focus on protecting the legitimate rights of credit subjects to their own credit and privacy data,and improve the relief system of credit infringement by improving the channels of complaint and clarifying the tort liability;finally,we should provide comprehensive legal support for the credit investigation system through the legal construction of credit investigation activities and legal construction of legal digital currency. |
