区块链技术下互联网金融创新对传统金融机构的影响

Internet Financial Innovation Impact on Traditional Financial Institutions under the Block- chain Technology

区块链技术因为其去中心化、数据可靠、信息高度透明以及不可篡改的特性，为加速金融产品创新、提高金融运行效率提供了可能。通过分析国内外金融机构区块链技术的发展前景，探索优化金融交易过程的契约要素，在认识区块链技术在银行、证券等行业的应用，包括支付结算、智能债券、财务审计等方面有一定的参考意义。

Block- chain is an intelligent peer -to -peer network that uses distributed databases to identify, disseminate and record information, also known as the Value Internet. Block chain technology provides the possibili- ty to accelerate the innovation of financial products and improve the efficiency of financial operation because of characteristics in decentralization, reliable data, highly transparent information and irreversibility. Since financial in- stitutions at home and abroad hold the developing prospects of block chain technology nowadays, the optimization process of a financial transaction contract is explored, and the promotion in the application of the block - chain tech- nology in banking, securities and other industries is suggested covering the payment and settlement, smart bonds, fi- nancial audit and so on.