Distributed Credit Chain

[marydarli]

DCC have Credit Dilemma of Core Cost. The Core Cost model of a credit is to share the costs incurred by non interest earning elements (client-gaining, data , credit review, etc) and non-repayment of loans (bad debts) by charging “good guys” who can pay back the money.
Obviously, this cost-sharing approach is extremely irrational.For borrowers, it brings an additional cost. For credit agencies, their profit margins are always limited, and cost management becomes ever more difficult. Efficiency is dragged down, and the profit margin can’t be improved. It determines the needs of borrowing to roughly identical groups of people.