关键词: 区块链, 互联网金融, 征信, 政府监管

Abstract: Starting from the current situation of the development in China’s internet financial platform， this paper analyzes its problems and challenges. In order to solve the existing problems， a cross-platform credit data sharing model based on blockchainis established， and its mechanism and application scenarios are discussed. The empirical results show that the number of institutions in the credit information system has a negative relationship with the overdue rate. After using the blockchain technology to open up the credit platform， the number of institutions providing credit information services in the system can be greatly increased.According to the statistical results， the project overdue rate will be reduced accordingly， which is conducive to the healthy and orderly development of the Internet finance industry and the government supervision function. The blockchain has solved the existing problems to a certain extent， but it still takes time to integrate into the credit information system. In the long run， it is inseparable from the supervision of the government departments.

Key words: blockchain, internet finance, credit investigation, government supervision