区块链技术下共享金融发展研究

Research on the Development of Sharing Finance Under Block Chain Technology

区块链对共享金融的进一步发展起到了关键性作用。共享经济催生共享金融,共享金融的本质是通过减少金融信息的不对称性,实现金融资源的优化配置。区块链具有多中心化、智能合约、信用共识等机制,是共享金融的底层技术架构。在这个算法驱动的时代,区块链将共享金融译为可编程金融,把信任程序化,弱关系变强关系。区块链应用于共享金融,能为共享金融的发展带来成本的降低与效率的提升,充分发挥各自优势,达到"1+1>2"的效果。区块链的成熟与共享金融的成熟息息相关,解决区块链的技术约束、法律监管等问题对区块链共享金融的日后发展异常重要,进而促进实现普惠金融,加快金融业转型改革。

Block chain plays a key role in the further development of sharing finance.Sharing economy leads to sharing finance.The essence of sharing finance is to optimize the allocation of financial resources by reducing the asymmetry of financial information.The block chain has multiple centers,intelligent contracts,credit consensus and other mechanisms.It is the underlying technical architecture of the sharing finance.In this algorithm-driven era,block chain translates shared finance into programmable finance,programmed trust,and strengthened weak relationships.The application of block chain in sharing finance can bring cost reduction and efficiency improvement to the development of sharing finance,give full play to their respective advantages,and achieve the effect of"1+1>2".Block chainmaturity is closely related with the mature of sharing finance.Solving the constraints of block chain technology,legal regulatory and other issues is important to the further development of block chain sharing finance,thus promoting inclusive finance,we will accelerate reform of the financial industry transformation.