本文選題：區(qū)塊鏈 + 金融企業(yè)�。� 參考：《蘭州財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：區(qū)塊鏈技術(shù)在金融領(lǐng)域的應(yīng)用,必將引起金融領(lǐng)域的重大變革。區(qū)塊鏈在金融領(lǐng)域的應(yīng)用問(wèn)題已被世界各國(guó)高度關(guān)注。其中,金融區(qū)鏈塊應(yīng)用中的法律制度構(gòu)建,是應(yīng)當(dāng)研究的核心問(wèn)題之一。積極研究并盡早建立并完善金融區(qū)塊鏈應(yīng)用相關(guān)的立法及監(jiān)管,對(duì)推動(dòng)區(qū)塊鏈在金融領(lǐng)域的應(yīng)用有著極為重要的理論意義和實(shí)踐價(jià)值。本文除引言及結(jié)語(yǔ)部分外,主要由五個(gè)部分構(gòu)成:第一部分主要講述區(qū)塊鏈的基本概念及其技術(shù)的來(lái)源,包括:區(qū)塊鏈的概念、類型、運(yùn)行方式及其特點(diǎn);區(qū)塊鏈的技術(shù)來(lái)源。通過(guò)對(duì)其運(yùn)行方式、特點(diǎn)及來(lái)源簡(jiǎn)述,凸顯區(qū)塊鏈技術(shù)的先進(jìn)性。第二部分主要從應(yīng)用領(lǐng)域?qū)^(qū)塊鏈進(jìn)行介紹,包括:區(qū)塊鏈應(yīng)用的三個(gè)類型,即以數(shù)字貨幣為代表的區(qū)塊鏈1.0,以智能合約為代表的區(qū)塊鏈2.0,以及應(yīng)用于除金融領(lǐng)域之外的區(qū)塊鏈3.0;簡(jiǎn)述區(qū)塊鏈技術(shù)及其應(yīng)用拓展性強(qiáng)的特點(diǎn);我國(guó)政府及地方的態(tài)度和具體措施;英美俄歐新等五個(gè)不同地位、不同經(jīng)濟(jì)實(shí)力的國(guó)家和地區(qū)對(duì)于區(qū)塊鏈的重視。第三部分主要闡述了區(qū)塊鏈與互聯(lián)網(wǎng)金融的關(guān)系,區(qū)塊鏈應(yīng)用的必要性、可行性及其重要性。包括:區(qū)塊鏈與互聯(lián)網(wǎng)金融的關(guān)系,奠定了“區(qū)塊鏈+金融”的基調(diào),為后文的討論設(shè)置了前提;通過(guò)圍繞比特幣案例以及央行的態(tài)度,闡述了金融區(qū)塊鏈的可行性;從信用、支付、資產(chǎn)管理、證券、清算結(jié)算及用戶識(shí)別等六個(gè)方面詳細(xì)說(shuō)明區(qū)鏈塊應(yīng)用對(duì)于金融領(lǐng)域的重要性。第四部分主要通過(guò)比特幣的案例,引伸出金融區(qū)塊鏈應(yīng)用已經(jīng)或?qū)?huì)導(dǎo)致的立法、監(jiān)管等法律問(wèn)題等。包括:立法缺失;具體監(jiān)管問(wèn)題;隱私安全問(wèn)題;壟斷問(wèn)題;“不可能三角”的應(yīng)用問(wèn)題;技術(shù)問(wèn)題。本章末尾通過(guò)對(duì)智能合約的案例表述,對(duì)其引起的法律問(wèn)題進(jìn)行分析,以確定下一章的撰寫基礎(chǔ),起到承上啟下的作用。第五部分詳細(xì)的提出了針對(duì)金融區(qū)塊鏈應(yīng)用所引起的法律問(wèn)題的完善建議。包括:針對(duì)區(qū)塊鏈的應(yīng)用提出立法原則;對(duì)區(qū)塊鏈、涉區(qū)塊鏈企業(yè)及消費(fèi)者方面提出了法律建議;確立監(jiān)管區(qū)塊鏈應(yīng)用的立法原則;提出相關(guān)監(jiān)管對(duì)策。本文的創(chuàng)新點(diǎn)包括:第一,國(guó)內(nèi)在金融區(qū)塊鏈應(yīng)用領(lǐng)域的法律文獻(xiàn)幾乎沒(méi)有,本文在選題及領(lǐng)域探索方面具有一定創(chuàng)新性;第二,本文對(duì)金融區(qū)塊鏈應(yīng)用的法律問(wèn)題進(jìn)行了歸納分析及總結(jié),具有一定創(chuàng)新性;第三,本文對(duì)金融區(qū)塊鏈應(yīng)用立法原則、金融區(qū)塊鏈應(yīng)用立法、涉區(qū)塊鏈金融企業(yè)的準(zhǔn)入及權(quán)義設(shè)置、消費(fèi)者權(quán)益保護(hù)、對(duì)監(jiān)管的立法原則、監(jiān)管主體及權(quán)義設(shè)置以及推動(dòng)區(qū)塊鏈在金融監(jiān)管中應(yīng)用等方面的探討具有一定創(chuàng)新性。本文不足之處主要是:第一,由于筆者自身外語(yǔ)水平有限,外文研究資料獲取能力不足;第二,金融區(qū)塊鏈應(yīng)用的相關(guān)研究多以技術(shù)方式呈現(xiàn),且仍在不斷更新中,由于筆者技術(shù)方面認(rèn)知限制,使本文的探索在細(xì)節(jié)深度等方面還有待加強(qiáng)。
[Abstract]:The application of block chain technology in the field of finance will lead to great changes in the field of finance.The application of block chain in the field of finance has been highly concerned by countries all over the world.Among them, the construction of legal system in the application of chain block in financial district is one of the core problems that should be studied.It is of great theoretical significance and practical value to actively study and establish and perfect the legislation and supervision related to the application of the financial block chain to promote the application of the block chain in the field of finance.In addition to the introduction and conclusion, this paper mainly consists of five parts: the first part mainly describes the basic concepts of the block chain and its technical sources, including: the concept, type, operation mode and characteristics of the block chain, and the technical source of the block chain.The advanced nature of block chain technology is highlighted through brief description of its operation mode, characteristics and sources.The second part mainly introduces the block chain from the application field, including: the three types of block chain application,That is, block chain 1.0 represented by digital currency, block chain 2.0 represented by intelligent contract, and applied to block chain 3.0 except in the field of finance.The attitudes and concrete measures of our government and local governments, and the importance attached to the block chain by the five countries and regions with different status and different economic strength, such as Anglo-American, Russian-European and so on.The third part mainly expounds the relationship between block chain and Internet finance, the necessity, feasibility and importance of block chain application.Including: the relationship between block chain and Internet finance, set the tone of "block chain finance", set the premise for later discussion; through the case of Bitcoin and the attitude of the central bank, elaborated the feasibility of financial block chain; from the credit,Payment, asset management, securities, clearing and clearing, and user identification are six aspects that illustrate the importance of block application in the financial field.The fourth part mainly through the case of Bitcoin, the financial block-chain application has been or will lead to legal issues, such as legislation, regulation and so on.Including: lack of legislation; specific regulatory issues; privacy security issues; monopoly issues; "impossible triangle" application; technical issues.At the end of this chapter, the author analyzes the legal problems caused by the intelligent contract through the case representation, in order to determine the writing basis of the next chapter, and play the role of connecting the preceding and the following.In the fifth part, some suggestions are put forward to perfect the legal problems caused by the application of financial block chain.It includes: putting forward the legislative principle for the application of the block chain; putting forward the legal suggestion to the block chain, involving the enterprise and the consumer of the block chain; establishing the legislative principle of the application of the block chain; putting forward the relevant supervision countermeasure.The innovations of this paper include: first, there is almost no domestic legal literature in the application of financial block-chain, this paper has a certain innovation in topics and domain exploration; second,In this paper, the legal problems of the application of financial block chain are summarized and analyzed, which are innovative. Thirdly, this paper applies the principle of legislation to the application of the financial block chain, the application of the financial block chain legislation.It is innovative to discuss the access and right establishment of financial enterprises in block chain, the protection of consumers' rights and interests, the legislative principle of supervision, the subject of supervision and the establishment of right and justice, and to promote the application of block chain in financial supervision.The main shortcomings of this paper are as follows: first, due to the limited foreign language level of the author, the ability to obtain foreign language research data is insufficient; second, the related research on the application of the financial block chain is mostly presented in a technical manner, and is still in the process of updating.Due to the limitation of the author's cognition in technology, the exploration of this paper needs to be strengthened in the depth of detail and so on.
【學(xué)位授予單位】：蘭州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：TP311.13

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本文編號(hào)：1737074