WO2019042434A1 - 基于区块链的征信方法及装置 - Google Patents
基于区块链的征信方法及装置 Download PDFInfo
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- WO2019042434A1 WO2019042434A1 PCT/CN2018/103640 CN2018103640W WO2019042434A1 WO 2019042434 A1 WO2019042434 A1 WO 2019042434A1 CN 2018103640 W CN2018103640 W CN 2018103640W WO 2019042434 A1 WO2019042434 A1 WO 2019042434A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the present invention relates to the field of computer technologies, and in particular, to a blockchain-based credit information method and apparatus.
- the embodiment of the invention provides a blockchain-based credit information method and device. Achieve more reasonable and rapid credit reporting.
- an embodiment of the present invention provides a method for collecting credit based on a blockchain.
- Personal credits are determined based on employee personal information and recorded in the blockchain
- the enterprise comprehensive credit is determined and recorded in the blockchain.
- determining the business credit according to the personal credit includes:
- the business credit is determined based on the weight of the employee and the personal credit.
- the determining the weight of the employee includes:
- the weight is determined according to one or more of the employee's working years, the employee's working years of the enterprise, the employee's credit rating, and the employee's salary level.
- it also includes:
- it also includes:
- the personal comprehensive credit is determined according to the enterprise comprehensive information and recorded in the blockchain.
- an embodiment of the present invention provides a blockchain-based credit information device, including:
- a first personal credit determining unit for determining personal credit based on employee personal information and recording in a blockchain
- a first guarantee determining unit configured to determine, when the employee agrees to collect a letter for the enterprise, the employee to provide a limited guarantee liability for the enterprise
- the enterprise credit determining unit is configured to determine the comprehensive credit of the enterprise according to the personal credit, and record in the blockchain.
- the enterprise credit determining unit is further configured to:
- the business credit is determined based on the weight of the employee and the personal credit.
- the enterprise credit determining unit is further configured to:
- the weight is determined according to one or more of the employee's working years, the employee's working years of the enterprise, the employee's credit rating, and the employee's salary level.
- it also includes:
- a second guarantee determining unit configured to determine, when the enterprise agrees to collect the credit for the employee, that the enterprise provides a limited guarantee responsibility for the employee.
- it also includes:
- the second personal credit determining unit is configured to determine the personal comprehensive credit according to the enterprise comprehensive information, and record in the blockchain.
- an embodiment of the present application provides a computer storage medium for storing computer software instructions used by the blockchain-based data analysis apparatus, which is configured to perform the foregoing first aspect and optionally implemented The program designed.
- the embodiment of the present application provides a computer program product for storing computer software instructions used by the blockchain-based data analysis apparatus, which is included for performing the above first aspect and optionally implementing The program designed.
- the credit of the employee is determined according to the historical data of the employee based on the blockchain, and the credit is evaluated according to the employee's credit, so that the credit evaluation of the enterprise is more reasonable, and the historical data of the employee is better acquired, so that Corporate credit is more accurate and reliable.
- the blockchain Based on the blockchain, it is possible to achieve credit information from the direction of big data, and the more accurate the credit information will be over time.
- FIG. 1 is a schematic diagram of an application scenario
- FIG. 2 is a flowchart of a method for collecting credits based on a blockchain according to an embodiment of the present invention
- FIG. 3 is a schematic structural diagram of a credit information device based on a blockchain according to an embodiment of the present invention.
- the embodiment of the invention provides a blockchain-based credit information method and device.
- the method is applicable to the application scenario shown in FIG. 1, as shown in FIG. 1, including: one or more clients 101, such as a laptop, a desktop computer or a mobile terminal, etc.; one or more blockchain nodes 102 One or more miners 103 and the like, for example, a computer having strong graphics computing capabilities; wherein one or more clients 101 and one or more miners 103, and one or more blockchain nodes 102 connection.
- One or more blockchain nodes 102 store a blockchain; the client 101 is configured to generate transaction information; the miner is used to package transaction information generated over a period of time into a blockchain.
- the client, the blockchain node, and the mining machine may respectively include a processor, a memory, and a transceiver, where the transceiver is used for transmitting and receiving data during interaction with other devices.
- the blockchain node may be implemented in the client or the mining machine.
- the client may be a blockchain node having a wallet function
- the mining machine may be a block having a mining (accounting) function.
- Chain node In addition, in some possible scenarios, the function of the miner can be implemented by a client or other blockchain node.
- the processor has various circuits that are connected to each other through a main line.
- the processor may include: an image input control circuit that applies image data from the A/D converter to the main line; and an image processing circuit that performs predetermined digital signal processing based on the input image data; Video Random Access Memory (VRAM) for storing image data of a representation image to be displayed; display control circuitry for controlling an image displayed on the display unit based on image data stored in the VRAM.
- VRAM Video Random Access Memory
- the memory may include a storage program area that can store an operating system, a program required for at least one function, and the like, and a storage data area that stores data created according to usage of the device, and the like. Further, the memory may include a high speed random access memory, and may also include a nonvolatile memory such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
- the embodiment of the invention is realized by a blockchain, and the employee credit is used for crediting the enterprise, or the enterprise is used for credit information of the employee, so that the credit data of the enterprise or the employee can be analyzed more reasonably, thereby providing better service for the enterprise or the employee. .
- FIG. 2 is a flowchart of a method for collecting credits based on a blockchain according to an embodiment of the present invention. As shown in FIG. 2, the method specifically includes:
- the employee's historical data can be determined, and the employee's personal credit is determined based on the employee's historical data.
- the personal credit can be recorded in the blockchain.
- each employee may correspond to a blockchain address, or other identifier, which is the address used to store the employee's personal credit, historical personal information, and the like.
- the bank can determine the employee's loan record, repayment status, deposit, consumption record, registered assets, credit card quota, credit card usage, and water flow over a period of time. Personal credit of the employee.
- employees and enterprises can sign a letter with the creditor in the form of an agreement, and when the agreement comes into effect, it can be determined that the employee agrees to collect the letter for the enterprise.
- the agreement can be any one of a smart contract, a paper protocol, or an electronic protocol.
- the credit information party may refer to a party that needs credit information services such as banking and insurance.
- the terminal may store the confirmation information in the blockchain.
- the terminal can store the confirmation information signed by the employee using the private key in the blockchain.
- the company can trust the company to obtain comprehensive credit.
- each employee can correspond to a weight, and determine the comprehensive credit of the enterprise based on the personal credit of multiple employees and the weight of each employee.
- the weight may be determined according to one or more of the employee's working years, the working years of the employee who provides the limited guarantee liability, the employee's credit rating, and the employee's salary rating. The longer a employee works in a company that provides limited guarantee responsibility, the higher the employee's credit rating, the higher the salary level, and the more important the position, the greater the weight of the employee.
- the enterprise can correspond to a blockchain address or other identifying information, which is the comprehensive credit used to record the enterprise, and the address of the enterprise historical data.
- the enterprise also needs the consent of the enterprise to conduct credit information for employees.
- Employees and enterprises can sign a letter with the creditor in the form of an agreement. When the company signs the agreement, it can be determined that the company agrees to collect credit for the employee.
- the terminal may store the confirmation information in the blockchain.
- the terminal may store the confirmation information of the enterprise using the private key signature in the blockchain.
- the individual comprehensive credit of the employee is determined according to the comprehensive credit of the enterprise and recorded in the blockchain.
- a credit cancellation mechanism can also be set. For example, when an employee leaves the company, the employee may not want or can no longer conduct a credit for the company. At this time, a credit can be initiated to cancel the employee as a business.
- the employee can generate information that the employee provides the limited liability for the limited liability of the enterprise through the terminal, and deposits the information into the blockchain, or the enterprise can generate the information that the enterprise provides the limited liability for the employee to be invalid through the terminal, and deposits the information into the block. In the chain.
- the expiration date may also be set. For example, each time the employee has a two-year validity period for the enterprise credit, the employee may be determined to continue providing the company or the employee with a limited warranty liability before the credit is invalidated. Stored in the blockchain. After determining the instructions to continue to provide limited liability for the company or employees, the company's comprehensive credit can be re-determined based on the personal credit of the employee at the time, or the employee's personal comprehensive credit can be re-determined based on the company's comprehensive credit.
- the embodiment of the invention determines the employee's credit based on the historical data of the employee based on the blockchain, and credits the enterprise according to the employee's credit, so that the credit evaluation of the enterprise is more reasonable, and the historical data of the employee is better acquired, so that the enterprise is The credit information is more accurate and reliable. Based on the blockchain, it is also possible to achieve credit information from the direction of big data, and the more accurate the credit information will be over time. By classifying employees according to the blockchain based on the credit of the enterprise, since the data is recorded on the blockchain, the data processing efficiency is higher and the credit information is more reasonable.
- FIG. 3 is a schematic structural diagram of a packet chain-based credit information device according to an embodiment of the present invention. As shown in FIG. 3, the device specifically includes:
- a first personal credit determining unit 301 configured to determine a personal credit according to employee personal information, and record in a blockchain;
- the first guarantee determining unit 302 is configured to: when the employee agrees to collect the credit for the enterprise, determine that the employee provides a limited guarantee liability for the enterprise;
- the enterprise credit determining unit 303 is configured to determine the enterprise comprehensive credit according to the personal credit, and record it in the blockchain.
- the enterprise credit determining unit 303 is further configured to:
- the business credit is determined based on the weight of the employee and the personal credit.
- the enterprise credit determining unit 303 is further configured to:
- the weight is determined according to one or more of the employee's working years, the employee's working years of the enterprise, the employee's credit rating, and the employee's salary level.
- it also includes:
- a second guarantee determining unit configured to determine, when the enterprise agrees to collect the credit for the employee, that the enterprise provides a limited guarantee responsibility for the employee.
- it also includes:
- the second personal credit determining unit is configured to determine the personal credit according to the enterprise comprehensive credit and record in the blockchain.
- the steps of a method or algorithm described in connection with the embodiments disclosed herein can be implemented in hardware, a software module executed by a processor, or a combination of both.
- the software module can be placed in random access memory (RAM), memory, read only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or technical field. Any other form of storage medium known.
Abstract
一种基于区块链的征信方法及装置。该方法包括：根据员工个人信息确定个人信用，并记录在区块链中（S210）；在所述员工同意为企业征信时，确定所述员工为所述企业提供有限担保责任（S220）；根据所述个人信用，确定企业综合信用，并记录在区块链中（S230）。该方法使得数据处理效率更高，且征信更合理。
Description
本发明涉及计算机技术领域，尤其涉及一种基于区块链的征信方法及装置。
征信对企业和个人都非常重要。银行或者其他服务公司，可以根据企业或个人的信用信息，为其提供相应的服务，信用越高，服务越好。
对于中小企业或初创企业是没有办法通过历史数据的大数据刻画企业详细画像并进行数据化分析，通常信用较低，但是，中小企业或初创企业又十分需要资源或者资金。
所以，如何更合理的分析中小企业或初创企业的信用，成为本领域技术人员迫切需要解决的技术问题。
发明内容
本发明实施例提供了一种基于区块链的征信方法及装置。实现了更加合理，快速的进行征信。
一方面，本发明实施例提供了一种基于区块链的征信方法。包括：
根据员工个人信息确定个人信用，并记录在区块链中；
在所述员工同意为企业征信时，确定所述员工为所述企业提供有限担保责任；
根据所述个人信用，确定企业综合信用，并记录在区块链中。
可选地，根据所述个人信用，确定企业信用包括：
确定所述员工的权重；
根据所述员工的权重以及所述个人信用，确定所述企业信用。
可选地，所述确定所述员工的权重包括：
根据所述员工的工作年限、所述员工在所述企业的工作年限、所述员工的信用等级、所述员工的薪酬等级中的一项或多项确定所述权重。
可选地，还包括：
在所述企业同意为所述员工征信时，确定所述企业为所述员工提供有限担保责任。
可选地，还包括：
根据所述企业综合信息确定所述个人综合信用，并记录在区块链中。
另一方面，本发明实施例提供了一种基于区块链的征信装置，包括：
第一个人信用确定单元，用于根据员工个人信息确定个人信用，并记录在区块链中；
第一担保确定单元，用于在所述员工同意为企业征信时，确定所述员工为所述企业提供有限担保责任；
企业信用确定单元，用于根据所述个人信用，确定企业综合信用，并记录在区块链中。
可选地，企业信用确定单元还用于，
确定所述员工的权重；
根据所述员工的权重以及所述个人信用，确定所述企业信用。
可选地，企业信用确定单元还用于，
根据所述员工的工作年限、所述员工在所述企业的工作年限、所述员工的信用等级、所述员工的薪酬等级中的一项或多项确定所述权重。
可选地，还包括：
第二担保确定单元，用于在所述企业同意为所述员工征信时，确定所述企业为所述员工提供有限担保责任。
可选地，还包括：
第二个人信用确定单元用于，根据所述企业综合信息确定所述个人综合信用，并记录在区块链中。
又一方面，本申请实施例提供了一种计算机存储介质，用于储存为上述基于区块链的数据分析装置所用的计算机软件指令，其包含用于执行上述第一方面以及可选地实现中所设计的程序。
再一方面，本申请实施例提供了一种计算机程序产品，用于储存为上述基于区块链的数据分析装置所用的计算机软件指令，其包含用于执行上述第一方面以及可选地实现中所设计的程序。
通过本发明实施例，通过基于区块链根据员工的历史数据确定员工的信用，根据员工的信用为企业征信，使得对企业的信用评价更合理，由于员工的历史数据更好获取，使得对企业的征信更准确可靠。基于区块链，能够从大数据的方向实现征信，且随着时间的推移，征信会越准确。通过基于区块链根据企业的信用，为员工进行征信，由于数据都记录在区块链上，使得数据处理效率更高，且征信更合理。
图1为一种应用场景示意图；
图2为本发明实施例提供的一种基于区块链的征信方法的流程图；
图3为本发明实施例提供的一种基于区块链的征信装置结构示意图。
为使本发明实施例的目的、技术方案和优点更加清楚，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
本发明实施例提供了一种基于区块链的征信方法及装置。该方法适用于图1所示的应用场景，如图1所示，包括：一个或多个客户端101，例如，笔记本电脑，台式电脑或移动终端等等；一个或多个区块链节点102；一个或多个矿机103等等，例如，具有较强图形计算能力的计算机；其中，一个或多个客户端101和一个或多个矿机103，与一个或多个区块链节点102连接。
一个或多个区块链节点102存储有区块链；客户端101用于生成交易信息；矿机用于对一段时间内生成的交易信息进行打包放入区块链内。
其中，客户端、区块链节点以及矿机，可分别包括，处理器、存储器以及收发器，其中收发器用于与其他设备交互过程中数据的收发。也可以是，区块链节点实现在客户端或矿机之内，换句话说，客户端可以为具有钱包功能的区块链节点，矿机可以为具有挖矿(记账)功能的区块链节点。另外，在一些可能的方案中，矿机的功能可以有客户端或其他区块链节点实现。
需要说明的是，在本申请实施例中，处理器具有各种电路，其通过主线彼此连接。具体地，处理器可以包括：图像输入控制电路，其将来自A/D转换器的图像数据施加给主线；图像处理电路，其基于已输入的图像数据实施预定的数字信号处理；显存(英文：Video Random Access Memory，VRAM)，其用于存储要被显示的表示图像的图像数据；显示控制电路，其对在显示单元上显示的图像进行控制，该图像是基于VRAM内存储的图像数据。
存储器可包括存储程序区和存储数据区，其中，存储程序区可存储操作系统、至少一个功能所需的程序等；存储数据区可存储根据设备的使用所创建的数据等。此外，存储器可以包括高速随机存取存储器，还可以包括非易失性存储器，例如至少一个磁盘存储器件、闪存器件、或其他易失性固态存储器件。
本发明实施例通过区块链来实现，利用员工信用为企业进行征信，或者利用企业为员工征信，可以更合理的分析企业或员工的信用数据，从而为企业或员工提供更好的服务。
为便于对本发明实施例的理解，下面将结合附图以具体实施例作进一步的解释说明，实施例并不构成对本发明实施例的限定。
图2为本发明实施例提供的一种基于区块链的征信方法的流程图。如图2所示，该方法具体包括：
S210，根据员工个人信息确定个人信用，并记录在区块链中。
可以确定员工的历史数据，根据员工的历史数据确定该员工的个人信用。可以将该个人信用记录在区块链中。例如，每个员工可以对应一个区块链地址，或其他标识，该区块链地址为用于存储该员工的个人信用，以及历史个人信息等的地址。
以银行确定员工的个人信用为例，银行可以确定该员工的贷款记录，还款情况，存款、消费记录，登记的资产，信用卡额度，信用卡使用情况，一段时间内的流水等个人信息，评估该员工的个人信用。
S220，在员工同意为企业征信时，确定员工为企业提供有限担保责任。
通过员工为企业征信，或者通过企业为员工征信，需要得到员工或企业的同意。
其中，员工与企业可以与征信方签订协议的形式为企业进行征信，在协议生效时，可以确定员工同意为企业征信。该协议可以为智能合约、纸质协议或电子协议等的任意一种协议。该征信方可以指银行、保险等需要征信服务的一方。
例如，终端在接收到员工的确认信息后，可以将该确认信息存入区块链中。例如，终端可以将员工使用私钥签名的确认信息存入区块链中。
如果员工不同意为企业征信，则征信失败。
S230，根据个人信用确定企业综合信用，并记录在区块链中。
可以根据多个员工的个人信用，为企业曾信，得到企业综合信用。为企业征信的员工越多，企业的信用可以越高。
具体地，每个员工可以对应一个权重，根据多个员工的个人信用以及每 个员工对应的权重确定企业的综合信用。
其中，可以根据员工的工作年限、员工在其提供有限担保责任的企业的工作年限、员工的信用等级、员工的薪酬等级中的一项或多项确定权重。员工在其提供有限担保责任的企业工作的年限越长、员工的信用等级越高，薪酬等级越高，职位越重要，该员工对应的权重越大。
企业可以对应一个区块链地址或其他标识信息，该地址为用于记录企业的综合信用，以及企业历史数据的地址。
另外，还可以通过企业为员工进行征信。
其中，企业为员工进行征信也需要得到企业的同意。员工与企业可以与征信方签订协议的形式为企业进行征信，在企业签署该协议时，可以确定企业同意为员工征信。
例如，终端在接收到企业的确认信息后，可以将该确认信息存入区块链中。具体地，终端可以将企业使用私钥签名的确认信息存入区块链中。
如果企业不同意为员工征信，则征信失败。
在企业同意为员工征信时，确定企业为员工提供有限担保责任。根据企业综合信用确定员工的个人综合信用，并记录在区块链中。
具体地，可以综合员工的个人信用和企业的信用，进行综合评估，得到双方综合信用。
另外，还可以设置征信取消机制，例如，员工离职时，可能该员工不想或者不能够再为该公司进行征信，此时可以发起取消该员工为企业的征信。
具体地，员工通过终端可以生成员工为企业提供有限担保责任失效的信息，并存入区块链中，或者，企业可以通过终端生成企业为员工提供有限担保责任失效的信息，并存入区块链中。
在本发明的另一个实施例中，还可以设定有效期，例如，员工每次为企业征信有两年有效期，在征信失效之前，可以确定继续为企业或员工提供有限担保责任的指示，存入区块链中。在确定继续为企业或员工提供有限担保 责任的指示后，可以根据当时的员工的个人信用，重新确定企业的综合信用，或者，根据企业的综合信用重新确定员工的个人综合信用。
本发明实施例通过基于区块链根据员工的历史数据确定员工的信用，根据员工的信用为企业征信，使得对企业的信用评价更合理，由于员工的历史数据更好获取，使得对企业的征信更准确可靠。基于区块链还能够从大数据的方向实现征信，且随着时间的推移，征信会越准确。通过基于区块链根据企业的信用，为员工进行征信，由于数据都记录在区块链上，使得数据处理效率更高，且征信更合理。
图3为本发明实施例提供的一种基于区块链的征信装置的结构示意图。如图3所示，该装置具体包括：
第一个人信用确定单元301，用于根据员工个人信息确定个人信用，并记录在区块链中；
第一担保确定单元302，用于在所述员工同意为企业征信时，确定所述员工为所述企业提供有限担保责任；
企业信用确定单元303，用于根据所述个人信用，确定企业综合信用，并记录在区块链中。
可选地，企业信用确定单元303还用于，
确定所述员工的权重；
根据所述员工的权重以及所述个人信用，确定所述企业信用。
可选地，企业信用确定单元303还用于，
根据所述员工的工作年限、所述员工在所述企业的工作年限、所述员工的信用等级、所述员工的薪酬等级中的一项或多项确定所述权重。
可选地，还包括：
第二担保确定单元，用于在所述企业同意为所述员工征信时，确定所述企业为所述员工提供有限担保责任。
可选地，还包括：
第二个人信用确定单元用于，根据所述企业综合信用确定个人信用，并记录在区块链中。
专业人员应该还可以进一步意识到，结合本文中所公开的实施例描述的各示例的单元及算法步骤，能够以电子硬件、计算机软件或者二者的结合来实现，为了清楚地说明硬件和软件的可互换性，在上述说明中已经按照功能一般性地描述了各示例的组成及步骤。这些功能究竟以硬件还是软件方式来执行，取决于技术方案的特定应用和设计约束条件。专业技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能，但是这种实现不应认为超出本发明的范围。
结合本文中所公开的实施例描述的方法或算法的步骤可以用硬件、处理器执行的软件模块，或者二者的结合来实施。软件模块可以置于随机存储器(RAM)、内存、只读存储器(ROM)、电可编程ROM、电可擦除可编程ROM、寄存器、硬盘、可移动磁盘、CD-ROM、或技术领域内所公知的任意其它形式的存储介质中。
以上所述的具体实施方式，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施方式而已，并不用于限定本发明的保护范围，凡在本发明的范围之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。
Claims (10)
- 一种基于区块链的征信方法，其特征在于，包括：根据员工个人信息确定个人信用，并记录在区块链中；在所述员工同意为企业征信时，确定所述员工为所述企业提供有限担保责任；根据所述个人信用确定企业综合信用，并记录在区块链中。
- 根据权利要求1所述的方法，其特征在于，根据所述个人信用确定企业信用包括：确定所述员工的权重；根据所述员工的权重以及所述个人信用确定所述企业信用。
- 根据权利要求2所述的方法，其特征在于，所述确定所述员工的权重包括：根据所述员工的工作年限、所述员工在所述企业的工作年限、所述员工的信用等级、所述员工的薪酬等级中的一项或多项确定所述权重。
- 根据权利要求1-3任意一项所述的方法，其特征在于，还包括：在所述企业同意为所述员工征信时，确定所述企业为所述员工提供有限担保责任。
- 根据权利要求4所述的方法，其特征在于，还包括：根据所述企业综合信用确定个人信用，并记录在区块链中。
- 一种基于区块链的征信装置，其特征在于，包括：第一个人信用确定单元，用于根据员工个人信息确定个人信用，并记录在区块链中；第一担保确定单元，用于在所述员工同意为企业征信时，确定所述员工为所述企业提供有限担保责任；企业信用确定单元，用于根据所述个人信用，确定企业综合信用，并记录在区块链中。
- 根据权利要求6所述的装置，其特征在于，企业信用确定单元还用于，确定所述员工的权重；根据所述员工的权重以及所述个人信用，确定所述企业信用。
- 根据权利要求7所述的装置，其特征在于，企业信用确定单元还用于，根据所述员工的工作年限、所述员工在所述企业的工作年限、所述员工的信用等级、所述员工的薪酬等级中的一项或多项确定所述权重。
- 根据权利要求6-8任意一项所述的装置，其特征在于，还包括：第二担保确定单元，用于在所述企业同意为所述员工征信时，确定所述企业为所述员工提供有限担保责任。
- 根据权利要求9所述的装置，其特征在于，还包括：第二个人信用确定单元用于，根据所述企业综合信用确定个人信用，并记录在区块链中。
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