区块链在商业银行中的应用及其展望
发布时间：2018-08-04 11:24
【摘要】：区块链具有简化流程、降低成本和存储优化等属性,与之相吻合,商业银行在资金结算、信用中介、运营维护、系统构建上与区块链存在天然交集,国内外不少银行已尝试将银行业务与区块链有机整合。国外商业银行应用区块链主要集中于境内支付结算、跨境金融服务、电子数字货币、夯实金融基础设施等领域,国内银行在布局区块链上呈现明显的异质性,囊括资金划拨、资产托管和公私授信等。展望未来,区块链技术在商业银行的应用将向数据存储、存证安全、授信创新和资产管理等分支延伸。
[Abstract]:The block chain has the attributes of simplifying the process, reducing the cost and optimizing the storage. Commercial banks naturally intersect with the block chain in fund settlement, credit intermediary, operation and maintenance, system construction, and so on. Many banks at home and abroad have tried to integrate the banking business with the block chain organically. Foreign commercial banks mainly focus on payment and settlement, cross-border financial services, electronic digital currency, tamping financial infrastructure and other fields. Domestic banks show obvious heterogeneity in the layout block chain, including fund transfer. Custody of assets and public-private credit, etc. In the future, the application of blockchain technology in commercial banks will be extended to the branches of data storage, credit security, credit innovation and asset management.
【作者单位】： 江西银行战略研究院;交通银行安庆分行;
【分类号】：F832.33;TP311.13
本文编号：2163834
[Abstract]:The block chain has the attributes of simplifying the process, reducing the cost and optimizing the storage. Commercial banks naturally intersect with the block chain in fund settlement, credit intermediary, operation and maintenance, system construction, and so on. Many banks at home and abroad have tried to integrate the banking business with the block chain organically. Foreign commercial banks mainly focus on payment and settlement, cross-border financial services, electronic digital currency, tamping financial infrastructure and other fields. Domestic banks show obvious heterogeneity in the layout block chain, including fund transfer. Custody of assets and public-private credit, etc. In the future, the application of blockchain technology in commercial banks will be extended to the branches of data storage, credit security, credit innovation and asset management.
【作者单位】： 江西银行战略研究院;交通银行安庆分行;
【分类号】：F832.33;TP311.13
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