Abstract: Credit is an intangible asset.Good credit record can not only bring a higher loan success rate,a lower borrowing rate,but also can make people enjoy the convenience brought by credit services.In the future,credit bonus will be highlighted,but it is also accompanied by problems,such as leakage of personal privacy,alteration of credit data,and unclear legal borders for the commercialization of big data credits.In order to create a healthy Internet credit ecological environment,this paper first summarized the existing problems in the existing credit information platform,discussed and analyzed the feasibility of adopting emerging technologies to solve these problems,and then incorporated a blockchain technology to design a kind ofmulti-source data sharing framework for supporting future credit reference system. Based on the multi-source data sharing of blockchains,abig data credit platform of multi-source heterogeneous data fusion was established using artificial intelligence,data mining,and smart contracts.Taking internet lending as an example,a decentralized lending application based on the big data credit platform was designed.

Key words: Big data credit, Blockchain, Credit ecology, Data sharing, Multi-source data fusion