区块链技术在数字票据交易平台中的应用

Construction of Digital Bill Exchange Platform based on Blockchain Technology

近年来,我国票据市场发展迅速,商业信用功能逐渐凸显。但票据市场在实践中逐渐表现出高度依赖银行、企业融资难、票据产品差异化不大、再贴现体量太小、中介市场无序等问题,风险事件频发。在互联网金融背景下,随着区块链技术的不断发展、完善以及数字货币的普及,票据资产数字化成为现实。利用区块链技术构建我国数字票据交易平台,不仅能够实现去中介化,还可以联合各个行业,实现信息全透明,优化数字票据交易与结算流程,有助于进一步规范市场秩序,降低监管成本。但是,也要注意区块链技术数据存储空间限制、交易系统抗压风险以及安全漏洞风险等问题。

In recent years,Chinag bill market has developed rapidly, and the function of commercial credit has been gradually highlighted. However, in the practice of the bill market, many problems appear such as high dependence on banks, difficult financing for enterprises, little differentiation of bill products, too small rediscount volume, disorder of intemlediary- market, and so on. And risk events occur frequently. In the context of Internet finance,with the continuous development and improvement of bloekehain technology- and the popu- larity of digital currency, the digitization of bill assets has become a reality. Building China＇s digital bill trading platform through the use of bloekehain technology can not only- achieve de - intermediation, but also unite various industries to achieve transparency of information, optimize the digital bill trading and settlement process, thus helping to maintain market order and reduce regulatory- costs. However, attention should be paid to bloekehain technology- data storage space limitations, transaction system pressure risk and security vulnera- bility risk