残障人士电商创业过程中的信用体系构建研究

Research on the Construction of Credit System for Disabled People in the Process of E-Commerce Entrepreneurship

摘要: 本研究针对残障人士电商创业中信用体系缺失的核心矛盾，提出“技术–制度–文化”协同赋能的信用构建策略。传统信用体系因忽视残障群体的非财务资本与能力特质，导致其陷入融资难、信任低的双重困境。基于区块链与人工智能技术，研究构建多维动态信用模型，通过链上存证非遗技能认证、生产溯源与用户评价，实现“非标化能力”的数字化转化；制度层面倡导政府、平台与社会协同治理，推动信用标准立法与算法公平性优化，打破数据孤岛与流量歧视；文化维度则通过弱化“残疾标签”、强化“技艺主体性”叙事，重塑残障群体的文化传承者身份，推动市场信任从“同情消费”转向“价值认同”。学术上，本研究创新性提出“文化反哺”理论，揭示非遗商业化与残障赋能的互构机制，构建“技术向善”的分析框架；实践层面，信用体系不仅为残障群体开辟经济赋权路径，更以商业力量激活传统文化生命力，助力社会公平与数字经济的包容性发展，为全球弱势群体参与数字生态提供中国方案。

Abstract: Aiming at the core contradiction of the lack of credit system in e-commerce entrepreneurship for the disabled, this study puts forward the credit construction strategy of “technology-system-culture” collaborative empowerment. The traditional credit system ignores the non-financial capital and ability characteristics of disabled groups, which leads them to fall into the double dilemma of financing difficulty and low trust. Based on blockchain and artificial intelligence technology, a multi-dimensional dynamic credit model is studied and constructed, and the digital transformation of “non-standardized ability” is realized through the certification of intangible skills, production traceability and user evaluation on the chain; At the institutional level, we advocate collaborative governance among government, platform and society, promote credit standard legislation and algorithm fairness optimization, and break data islands and traffic discrimination; In the cultural dimension, by weakening the label of disability and strengthening the narrative of “technical subjectivity”, the identity of cultural inheritors of disabled groups is reshaped, and the market trust is shifted from “sympathetic consumption” to “value recognition”. Academically, this study innovatively puts forward the theory of “cultural feedback”, reveals the mutual construction mechanism of commercialization of intangible cultural heritage and disability empowerment, and constructs the analytical framework of “technology is good”. On the practical level, the credit system not only opens up the path of economic empowerment for the disabled, but also activates the vitality of traditional culture with commercial power, helps social equity and the inclusive development of the digital economy, and provides a Chinese solution for the global vulnerable groups to participate in the digital ecology.