区块链技术在金融领域的创新及应用

Blockchain Basic Technology Framework and its Application in Finance

以区块链技术为基础支撑的比特币等新型金融形态深刻影响着互联网金融的发展及其他金融领域的变革。通过区块链技术支撑数据的安全性、可信性和唯一性,可以实现区块链在金融领域的应用价值。文章基于分析区块链技术的应用模式和存在优势,借鉴区块链技术在国际金融业的主要应用特点,结合国内实际,分析基于区块链技术构造基础金融设施的应用可行性,并且提出建议,认为应当探索利用区块链技术提高金融服务水平,逐步建立以柔性监管为核心的监管体系,加快制定针对区块链技术的相关标准。

The new financial forms, such as Bitcoin based on Blockchain technology, have profoundly affected the development of Internet finance and the changes in other financial fields. By using Blockchain technology to support data security, credibility, and uniqueness, it is possible to realize the application value of Blockchain in the financial field. This article is based on the analysis of the application mode and existing advantages of Blockchain technology, the main application characteristics of Blockchain technology in the international financial industry, and combined with the domestic practical analysis of the feasibility of constructing basic financial facilities based on Blockchain technology. The recommendation is that the usage should be explored Blockchain technology in order to improves the level of financial services, gradually establish a regulatory system with flexible supervision as its core, and accelerate the formulation of relevant standards for Blockchain technology.