【摘要】：區(qū)塊鏈作為一種新型互聯(lián)網(wǎng)技術(shù),依托去中心化、可靠數(shù)據(jù)、集體維護(hù)以及不可篡改的特性,為加速金融產(chǎn)品創(chuàng)新、提高金融運(yùn)行效率提供了可能。隨著互聯(lián)網(wǎng)金融的快速發(fā)展和區(qū)塊鏈技術(shù)在金融領(lǐng)域應(yīng)用范圍的不斷拓寬,區(qū)塊鏈金融憑借輕資產(chǎn)重服務(wù)的運(yùn)營(yíng)模式對(duì)傳統(tǒng)金融機(jī)構(gòu)的結(jié)算體系與風(fēng)險(xiǎn)管理產(chǎn)生了一定沖擊。在此壓力下,國(guó)內(nèi)眾多銀行紛紛進(jìn)行互聯(lián)網(wǎng)金融布局,加速"區(qū)塊鏈化"進(jìn)程。但由于區(qū)塊鏈應(yīng)用還處于初級(jí)階段,面臨金融監(jiān)管滯后、政策體系不完善以及技術(shù)制約等一系列問(wèn)題,銀行"區(qū)塊鏈化"的改革與轉(zhuǎn)型舉步維艱。因此,需要政府提供一定的政策支持以及銀行的積極探索兩方面共同推進(jìn)"區(qū)塊鏈+銀行"的全新金融模式。
[Abstract]:Block chain, as a new Internet technology, relies on the characteristics of decentralization, reliable data, collective maintenance and non-tampering, which provides the possibility for speeding up the innovation of financial products and improving the efficiency of financial operation. With the rapid development of Internet finance and the widening of the application scope of blockchain technology in the financial field, blockchain finance has a certain impact on the settlement system and risk management of traditional financial institutions by virtue of the operation mode of light assets and heavy service. Under this pressure, the domestic many banks have carried on the Internet financial layout, speeds up the "block chain" process. However, because the application of block chain is still in its primary stage, it faces a series of problems such as financial supervision lagging behind, imperfect policy system and technical restriction, so the reform and transformation of "block chain" of banks are difficult. Therefore, it is necessary for the government to provide certain policy support and the banks to actively explore the two aspects to jointly promote the "block chain bank" of the new financial model.
【作者單位】： 湖北汽車(chē)工業(yè)學(xué)院理學(xué)院;中南財(cái)經(jīng)政法大學(xué)金融學(xué)院;
【分類(lèi)號(hào)】：F724.6;F832.3
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本文編號(hào)：2128592