孙运传,曾笑萍（研究生）,崔学刚（通讯作者）,Guangzhi Zhang,Rongfang Bie：An active and dynamic credit reporting system for SMEs in China. Personal and Ubiquitous Computing, Available online 1 September 2019, DOI：https://doi.org/10.1007/s00779-019-01275-4

Abstract：

SMEs in China always face financing constraints and hardly obtain bank loans under unsound financing system, mostly because of widespread information asymmetry. Credit reporting is an effective way to lower information asymmetry, while current credit reporting system for SMEs in China does not coincide with SMEs’ true situation. Hence, we propose an active and dynamic credit reporting framework based on Big data and Block chain, which has five modules including credit data acquisition, authentication, evaluation, report, and interaction. The proposed approach features in capturing diversified data online, conducting evaluation and analysis in real time, and automatically generating online credit reports for SMEs, banks, and government, also provides an effective way for SMEs, banks, government, and other entities to interact.

Keywords：Big data，Block chain，Credit reporting，Information asymmetry，SMEs