Research And Design On The Construction Of Bank Custom Credit System Based On Blockchain

Bank customer’s credit is an important part of the social credit system,and the scientific and accurate customer credit rating method can help to reduce bank non-performing loans and promote the benign growth of bank profits.However,on the one hand,under the traditional centralized storage environment,there are some problems in the bank customer credit system,such as single point failure,high time-consuming and easy to tamper.On the other hand,the current blockchain based bank customer credit rating has problems such as system throughput and insufficient evaluation.Therefore,it is imperative to build a more secure and effective bank customer’s credit system.In order to solve the above problems,this paper uses blockchain technology to build a bank customer’s credit rating system,use blockchain to store the user’s credit data,and utilizes the neural network model to optimize the credit rating indicators of individual bank customers.The main work is as follows:(1)a credit based blockchain consensus algorithm is designed,and the credit score reward method is used to encourage the nodes in the blockchain to actively participate in the benign behavior of the system,in the same time,the credit punishment mechanism is used to limit the malicious behavior of the nodes.The credit consensus increases the throughput of the blockchain system and improves the efficiency of online storage of customer’s credit data;(2)we put forward the credit rating algorithm based on BP neural network,and designed the bank customer credit rating index system.Based on this,we constructed the credit rating model based on artificial intelligence,and optimized the customer credit rating index by using the learning and feedback mechanism of BP neural network,so as to make the rating result more scientific and accurate;(3)a credit data management strategy based on smart contract is designed,and the query and modification of customer credit data are designed as smart contract,which improves the intelligence and efficiency of data management.We designed and implemented a bank customer’s credit rating prototype system based on blockchain,and tested the function and performance of the system by using the real credit data of bank individual customers.The test results show the correctness and effectiveness of the proposed method.