区块链技术对商业银行传统贸易结算方式的影响研究

发布时间：2018-01-23 23:57

  本文关键词： 区块链 传统贸易结算方式 影响　出处：《对外经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：区块链作为一项技术解决方案,是分布式数据存储、点对点传输、共识机制、加密算法等计算机技术在互联网时代的创新应用模式。主要特点是去中心化、可靠安全、便捷高效,在诸多场景具有很高的应用价值,特别是金融领域。2015年以来,区块链在全球范围内发展迅猛,包括各国央行及政府部门、商业银行、IT巨头在内的机构纷纷加快区块链探索的脚步,针对区块链研发部门和初创公司的投资也呈现出爆炸式增长。本文以区块链技术对商业银行传统贸易结算方式的影响为研究对象,分析了区块链技术和区块链金融的发展现状,对相关概念和应用场景进行阐释、归纳和总结。与此同时,分析了商业银行三种传统贸易结算方式的特点和流程,包括汇款方式、托收方式和信用证方式,并对商业银行传统贸易结算流程进行SWOT分析。在此基础上,将传统贸易结算方式与区块链技术相结合,研究区块链技术结合传统贸易结算方式的应用场景。此外,列举我国区块链初创企业布比区块链公司的案例,分析其发展现状和存在问题,由此论证区块链技术对传统贸易结算的积极影响和消极影响。最后,结合案例分析和影响研究,提出我国发展区块链金融的建议和对策。
[Abstract]:As a technical solution, block chain is the innovative application mode of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and other computer technologies in the Internet era. Reliable, safe, convenient and efficient, it has high application value in many scenarios, especially in the financial field. Since 2015, the block chain has developed rapidly in the world, including central banks and government departments. Commercial banks and IT giants and other institutions have accelerated the pace of block chain exploration. The investment of block chain research and development department and start-up company also shows explosive growth. This paper focuses on the impact of block chain technology on the traditional trade settlement methods of commercial banks. This paper analyzes the development status of blockchain technology and blockchain finance, explains, summarizes and summarizes the related concepts and application scenarios. At the same time, it analyzes the characteristics and process of three traditional trade settlement methods of commercial banks. Including remittance, collection and letter of credit, and commercial bank traditional trade settlement process SWOT analysis. On this basis, the traditional trade settlement method and blockchain technology are combined. This paper studies the application of block-chain technology in combination with traditional trade settlement methods. In addition, it lists the cases of Bubi Block chain Company, a start-up enterprise in Block chain, and analyzes its development status and existing problems. The positive and negative effects of blockchain technology on traditional trade settlement are demonstrated. Finally, combined with case analysis and impact study, suggestions and countermeasures for developing blockchain finance in China are put forward.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.13;F832.2
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本文编号：1458585