Ripple与SWIFT比较分析研究

A Comparison Research on Ripple and SWIFT

近年来,随着互联网技术的发展,Ripple1作为一种去中心化的支付清算系统,凭借其诸多优势逐步在国内外支付市场推广应用,并对以SWIFT为代表的国际主流支付系统产生影响。目前,我国的金融机构主要通过SWIFT实施跨境支付清算,但Ripple已开始在中国拓展业务。建议加强对Ripple的运行机制、商业模式等问题的研究,规范其在国内的应用。

As a kind of decentralized payment and settlement system, Ripple has been promoted the application gradually in domestic and international payment market because of its many advantages with the development of internet technique in recent years, at the same time Ripple has affected the international mainstream payment system such as SWIFT. Currently, China’s financial institutions mainly took the cross-border payment and settlement by SWIFT, and Ripple has expanded businesses in China. The author suggest that we should strengthen the research on Ripple’s operating mechanism and commercial mode so as to regulate its application in China.