区块链对互联网金融发展的重塑与挑战分析

发布时间：2018-04-22 16:10

本文选题：区块链 + 互联网金融　；参考：《商业经济研究》2017年02期

【摘要】：从传统金融到互联网金融,从间接金融到直接金融,金融领域依托大数据技术和云计算,逐步实现了金融脱媒,并过渡到以区块链为征信基础的新金融形态。区块链技术源于比特币的分布式技术,具有去中介化、去中心化、可靠数据等鲜明特性,因此又是一个完美的信用系统,对金融领域的征信体系建设和风险防控具有重要意义。但作为一项新的互联网金融技术,区块链互联网金融还处于初级阶段,体系建设、技术瓶颈、安全监管等仍面临诸多挑战。
[Abstract]:From the traditional finance to the Internet finance, from the indirect finance to the direct finance, the financial field relies on the big data technology and the cloud computing, and has gradually realized the financial disintermediation and transition to the new financial form based on the block chain as the basis of the credit. The block chain technology is derived from the distributed technology of bitcoin, which has the distinctive features of disintermediation, centralization, reliable data and so on. As a new Internet financial technology, the block chain Internet finance is still in the primary stage, and the construction of the system, the bottleneck of technology and the security supervision are still facing many challenges.

【作者单位】：太原工业学院;
【分类号】：TP311.13;F713.36;F831

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