区块链:对传统金融的颠覆

发布时间：2018-04-14 14:04

本文选题：区块链 + 金融　；参考：《甘肃社会科学》2017年05期

【摘要】：区块链技术被认为是金融信用发展史上继实物信用、贵金属信用、央行纸币信用后的第四个里程碑。区块链技术所具有的去中心化、去信任化、可追溯和不可篡改等特点,使得互联网的用途可能从传统信息传递向价值传递转变。分析区块链技术在金融业的应用不但能够大幅提升资本市场和金融中介的效率,而且可能将重新定义货币、信用、支付职能等体现金融本质的概念,通过重塑信用形成机制将改变目前金融业现有的基础架构、资产管理、金融监管、产品服务体系和金融业形态等,通过广泛共识和价值分享,创造金融领域新的价值体系和秩序规则,引起传统金融的重构和颠覆。但是目前区块链技术的研究还处于探索阶段,技术瓶颈、安全和监管等方面仍面临诸多挑战。
[Abstract]:Block chain technology is regarded as the fourth milestone in the history of financial credit after physical credit, precious metal credit and central bank paper currency credit.Block chain technology has the characteristics of decentralization, detrust, traceability and non-tampering, which may change the use of Internet from traditional information transmission to value transmission.Analysis of the application of blockchain technology in the financial industry not only can greatly improve the efficiency of capital markets and financial intermediation, but may also redefine the concepts of money, credit, payment functions and so on, which reflect the essence of finance.By reshaping the credit formation mechanism, it will change the current financial industry's existing infrastructure, asset management, financial supervision, product and service systems, and the shape of the financial sector, and through broad consensus and value sharing,Create new value system and order rules in financial field, cause reconstruction and subversion of traditional finance.However, the research of blockchain technology is still in the exploratory stage, and the technology bottleneck, safety and supervision still face many challenges.
【作者单位】：兰州理工大学经济管理学院;东南大学经济管理学院;
【基金】：国家社会科学一般项目(15XJL008) 甘肃省社科规划项目(编号:14YB051)
【分类号】：F49;F832

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