区块链技术的本质特征及其金融领域应用研究

发布时间：2018-02-26 21:22

本文关键词： 区块链共享金融金融科技金融创新　出处：《理论学刊》2017年02期 　论文类型：期刊论文

【摘要】：区块链技术让彼此之间没有建立传统信任关系的经济主体达成合作,而无需通过中立的中央权威机构,它是建立信任的机器,具有去中心化(分布式)、去信任化、不可篡改、可追溯性等特点和促进共享经济的巨大潜力。相较于分布式结构,中心化结构的主要问题集中在两点:一是为解决信息不对称增加了交易成本,二是具有潜在安全问题。区块链技术可应用于优化支付体系和构建高效安全的金融科技。中国发展区块链技术的另外两个重要因素是解决现实问题和避免国外形成技术垄断。在金融领域发展区块链技术的重要目标和潜力在于建立统一的区块链信用系统,让每一个信用主体都可享有相匹配的金融服务,促进发展共享金融和共享经济。
[Abstract]:Block-chain technology allows economic entities that do not have traditional trust relationships to cooperate without having to go through a neutral central authority. It is a trust building machine with a decentralized (distributed, distrusted, untampered) approach. The characteristics of traceability, such as traceability, and the great potential to promote a shared economy. Compared to a distributed structure, the main problems of centralized architecture focus on two points: first, it increases transaction costs in order to solve information asymmetry. Second, there are potential safety problems. Block chain technology can be applied to optimize payment system and build efficient and secure financial technology. The other two important factors of China's development of block chain technology are to solve practical problems and avoid foreign forms. An important goal and potential for the development of blockchain technology in the financial field lies in the establishment of a unified blockchain credit system, Each credit entity can enjoy matching financial services and promote the development of shared finance and shared economy.
【作者单位】：济南大学商学院;
【分类号】：TP311.13;F832

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