Abstract
Big data finance is prone to cause information asymmetry, which enables it to achieve a better integration with blockchain technology. This research mainly discusses the application of blockchain technology in inclusive finance under the background of big data. First, according to the customer’s risk and value, transaction behavior characteristics and preferences, etc., the advanced database system and big data mining and analysis technology are used to make full use of the customer information they have. Then use social network technology and big data technology to realize online collection of customer information and timely processing of transaction data. Finally, in terms of resource allocation, in the GSP financial model based on blockchain technology, the relevant information of the supply and demand parties of funds is directly published on the network and matched by themselves, and the supply and demand parties of funds directly communicate and trade. It can be seen from the comparison of the average value of risk changes after using blockchain technology in the big data scenario: credit risk and operational risk are both lower than 2.5, and these two risks are considered to be overall risk reduction. This research provides active guidance for further improving the inclusive financial service system.
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Han, J., Ma, Y. (2021). Blockchain Technology in Inclusive Finance Under the Background of Big Data. In: Xu, Z., Parizi, R.M., Loyola-González, O., Zhang, X. (eds) Cyber Security Intelligence and Analytics. CSIA 2021. Advances in Intelligent Systems and Computing, vol 1343. Springer, Cham. https://doi.org/10.1007/978-3-030-69999-4_30
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DOI: https://doi.org/10.1007/978-3-030-69999-4_30
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