دور تكنولوجيا السجلات الموزعة (البلوكشين) في تعزيز كفاءة نمذجة مخاطر الائتمان والحد من عدم تماثل المعلومات

Abstract

This research paper aims to study and analyze the role that blockchain technology can play in reducing credit risk within financial and banking institutions, given the increasing challenges facing traditional credit systems, such as weak transparency, inaccurate information, and high levels of information asymmetry among parties involved in the credit process. The study begins by highlighting the essential characteristics of blockchain technology, primarily its decentralization, tamper resistance, and transparency, and its role in improving the quality of credit data and enhancing trust between lenders and borrowers.

The paper also sheds light on the importance of smart contracts as a practical application of blockchain technology and their role in automating the implementation of credit conditions, reducing the risk of non-payment, and providing early warning mechanisms for credit default. The study employs a descriptive-analytical approach, reviewing relevant literature and previous studies and analyzing the theoretical and applied contributions of blockchain technology to the field of credit risk management. The paper concludes that adopting blockchain technology effectively contributes to reducing credit risk, improving the efficiency of credit decisions, and supporting the financial stability of banking institutions. It emphasizes the need to develop legislative and regulatory frameworks and build human capacity to ensure the optimal application of this technology in the financial and banking sector.