区块链技术下价值互联网对传统金融机构的影响
发布时间：2018-07-17 02:22
【摘要】：区块链作为一种新型互联网技术,依托去中心化、可靠数据、集体维护以及不可篡改的特性,为加速金融产品创新、提高金融运行效率提供了可能。随着互联网金融的快速发展和区块链技术在金融领域应用范围的不断拓宽,区块链金融凭借轻资产重服务的运营模式对传统金融机构的结算体系与风险管理产生了一定冲击。在此压力下,国内众多银行纷纷进行互联网金融布局,加速"区块链化"进程。但由于区块链应用还处于初级阶段,面临金融监管滞后、政策体系不完善以及技术制约等一系列问题,银行"区块链化"的改革与转型举步维艰。因此,需要政府提供一定的政策支持以及银行的积极探索两方面共同推进"区块链+银行"的全新金融模式。
[Abstract]:Block chain, as a new Internet technology, relies on the characteristics of decentralization, reliable data, collective maintenance and non-tampering, which provides the possibility for speeding up the innovation of financial products and improving the efficiency of financial operation. With the rapid development of Internet finance and the widening of the application scope of blockchain technology in the financial field, blockchain finance has a certain impact on the settlement system and risk management of traditional financial institutions by virtue of the operation mode of light assets and heavy service. Under this pressure, the domestic many banks have carried on the Internet financial layout, speeds up the "block chain" process. However, because the application of block chain is still in its primary stage, it faces a series of problems such as financial supervision lagging behind, imperfect policy system and technical restriction, so the reform and transformation of "block chain" of banks are difficult. Therefore, it is necessary for the government to provide certain policy support and the banks to actively explore the two aspects to jointly promote the "block chain bank" of the new financial model.
【作者单位】： 湖北汽车工业学院理学院;中南财经政法大学金融学院;
【分类号】：F724.6;F832.3
，
本文编号：2128592
[Abstract]:Block chain, as a new Internet technology, relies on the characteristics of decentralization, reliable data, collective maintenance and non-tampering, which provides the possibility for speeding up the innovation of financial products and improving the efficiency of financial operation. With the rapid development of Internet finance and the widening of the application scope of blockchain technology in the financial field, blockchain finance has a certain impact on the settlement system and risk management of traditional financial institutions by virtue of the operation mode of light assets and heavy service. Under this pressure, the domestic many banks have carried on the Internet financial layout, speeds up the "block chain" process. However, because the application of block chain is still in its primary stage, it faces a series of problems such as financial supervision lagging behind, imperfect policy system and technical restriction, so the reform and transformation of "block chain" of banks are difficult. Therefore, it is necessary for the government to provide certain policy support and the banks to actively explore the two aspects to jointly promote the "block chain bank" of the new financial model.
【作者单位】： 湖北汽车工业学院理学院;中南财经政法大学金融学院;
【分类号】：F724.6;F832.3
，
本文编号：2128592
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