区块链金融:结构分析与前景展望

发布时间：2018-04-03 09:32

本文选题：区块链金融　切入点：互联网金融　出处：《南方金融》2017年02期

【摘要】：从数据层、规则层和应用层来看,区块链作为互联网时代的新型底层技术,无论与何种金融业态相结合,开发新的金融服务模式,最终目的都是通过金融资源的有效整合,依托大数据、云计算等新型互联网技术,对信息数据进行分析和处理,根据市场和客户需求对金融系统进行升级改造,从而推动金融运行效率和服务质量的提升。未来,区块链金融将借助区块链技术,自动、精准地识别客户信用状况,重塑金融市场征信体系;与大数据技术相结合,充分挖掘金融业数据价值,助推传统金融机构转型;通过提升金融服务效率,推动消费金融创新发展;凭借技术优势,改造互联网金融从业机构,加速互联网金融转型发展。
[Abstract]:From the point of view of data layer, rule layer and application layer, as a new type of bottom technology in the Internet era, the ultimate goal of block chain is to integrate financial resources effectively, no matter what kind of financial form it combines to develop a new financial service model.Relying on big data, cloud computing and other new Internet technology, the analysis and processing of information data, according to the needs of the market and customers to upgrade the financial system, so as to promote the efficiency of financial operations and quality of service.In the future, block chain finance will use block chain technology to identify customers' credit status automatically and accurately, reshape the credit information system of financial market, combine with big data technology, fully excavate the value of financial industry data, and promote the transformation of traditional financial institutions.By improving the efficiency of financial services, promoting the innovation and development of consumer finance, and relying on the technological advantages, to reform the Internet financial institutions, accelerate the transformation and development of Internet finance.
【作者单位】：辽宁大学经济学院;
【基金】：国家社会科学基金重大招标项目《制度变迁视角下的中国二元经济转型研究》(项目编号:11&ZD146)的资助
【分类号】：TP311.13;F832.1

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