以區塊鏈技術實現互助會交易

ROSCA chain: A Blockchain Application for Rotating Savings and Credit Association

張讀行(Dusing Chang)

指導教授 ： 黃光璿

國立暨南國際大學/科技學院/資訊工程學系/碩士(2022年)

https://doi.org/10.6837/ncnu202200354

摘要

隨著區塊鏈成為數字金融的先驅，越來越多的公司將目光投向點對點金融和小額信貸等可能性。然而，隨著人口的增長，估計仍有數百萬人因性別、種族或居住地的不同而無法使用銀行系統。互助會（Rotating savings and credit association）等非正式融資可以很好地結合區塊鍊和點對點金融等技術。我們提出ROSCA chain，讓被銀行系統拒絕在外的人可在沒有銀行賬戶的情況下存錢，並從區塊鏈技術的安全性和可靠性中受益。

關鍵字

區塊鍊 ； 互助會 ； 小額信貸 ； 信用評分

並列摘要

As blockchain becomes a precursor to digital finance, more and more companies are turning their attention to possibilities like peer-to-peer finance and microfinance. However, as the population grows, it is estimated that millions of people still do not access to the banking systems because of gender, race or their residences. Informal financing such as Rotating savings and credit associations can work well with technologies such as blockchain and peer-to-peer finance. We propose the framework of ROSCA chain that allows people who have been rejected by the banking systems to save money without a bank account and benefit from the security and reliability of blockchain technology.

並列關鍵字

blockchain ； Rotating savings and credit association ； Microcredit ； credit scoring

參考文獻

[1] Asli Demirgüç-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess, “The Global Findex Database 2017.” The World Bank Group, 2017. [Online]. Available: https://globalfindex.worldbank.org/sites/globalfindex/files/chapters/2017%20Findex%20full%20report_chapter2.pdf

[2] “What is microfinance? A complete guide.,” Credit Summit. https://www.mycreditsummit.com/what-is-microfinance2.html (accessed Jun. 06, 2022).

[3] A. M. J. Sandsør, “The Rotating Savings and Credit Association - An Economic, Social and Cultural Institution,” 2010.

[4] P. Treleaven, R. Gendal Brown, and D. Yang, “Blockchain Technology in Finance,” Computer, vol. 50, no. 9, pp. 14–17, 2017, doi: 10.1109/MC.2017.3571047.

[5] A. Norta, B. Leiding, and A. Lane, “Lowering Financial Inclusion Barriers with a Blockchain-Based Capital Transfer System,” in IEEE INFOCOM 2019 - IEEE Conference on Computer Communications Workshops (INFOCOM WKSHPS), May 2019, pp. 319–324. doi: 10.1109/INFCOMW.2019.8845177.