商业银行视阈下区块链技术的应用分析

发布时间：2018-01-07 06:40

本文关键词：商业银行视阈下区块链技术的应用分析　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融区块链技术是金融科技很前沿的技术,在互联网背景下对商业银行业务处理和扩展具有着重要的作用。本文基于国内外区块链技术的研究现状以及传统商业银行业务上的不足,结合区块链技术自身的特性与其不同阶段的发展状况,对区块链在商业银行业应用的优势与缺陷进行了分析,指出了区块链技术本身的不足,同时也肯定了其带来的积极影响。本文的主体部分是针对区块链在商业银行业的贷款业务、征信业务以及清算业务三大业务领域其最新的应用情况进行了案例分析,本文选取了印度商业银行业、平安银行和招商银行为案例主体。区块链技术在商业银行这三个业务领域的应用可以在降低交易成本的同时,加快交易速度、拓展商业银行业的业务、改善商业银行业的自我管理、达成银行机构间的安全可靠的信息共享,从而促进商业银行业整体的发展。与此同时,区块链技术在银行业的应用也应加强监管和信息保密技术等方面的力度。本文最后得出结论,在发展好相关基础设施和“软设施”后,区块链技术将优化商业银行业传统的贷款业务、征信业务和清算业务,区块链技术在商业银行业的发展有着广阔的前景。
[Abstract]:Financial blockchain technology is a very advanced technology in financial science and technology. In the context of the Internet business processing and expansion of commercial banks plays an important role. This paper based on the domestic and foreign research status of block-chain technology and traditional commercial banking business deficiencies. Combined with the characteristics of block chain technology and its different stages of development, the advantages and disadvantages of block chain application in commercial banking are analyzed, and the shortcomings of block chain technology are pointed out. At the same time, it also affirmed its positive impact. The main part of this paper is aimed at the block chain in the commercial banking loan business. The latest application of the three major business areas of credit information and liquidation is analyzed. This paper selects the Indian commercial banking industry. Ping an Bank and China Merchants Bank as the main case. The application of block chain technology in these three business areas of commercial banks can reduce transaction costs, accelerate the transaction speed, and expand the business of commercial banks. To improve the self-management of commercial banking, to achieve a secure and reliable information sharing among banking institutions, thereby promoting the overall development of commercial banking. At the same time. The application of blockchain technology in the banking industry should also strengthen the supervision and information security technology. Finally, this paper concludes that after the development of relevant infrastructure and "soft facilities". The blockchain technology will optimize the traditional loan business, credit information business and liquidation business of commercial banking. The development of blockchain technology in commercial banking has a broad prospect.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.13;F831.2

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