我国商业银行应用区块链技术的场景和策略研究

The Study on the Scene and Strategy of Blockchain Technology Applying in China's Commercial Banks

区块链技术是近两年来我国商业银行研究金融科技的重要方向之一。区块链技术的去中心化、不可篡改性、可追溯性、匿名性、可靠性、可扩展性和价值传递性等特性决定了其重要的应用价值。区块链技术已被广泛应用于数字货币、金融交易、资产登记、交易确权、博彩、保险、审计等诸多领域。研究发现,商业银行应用区块链技术有助于其优化支付结算体系、改进信用风险管控模式、提升中后台运营效率、发展智慧金融。然而,商业银行应用区块链技术也将面临诸多挑战。目前,商业银行可在数字货币、支付结算、风险控制、票据交易、供应链融资等场景应用区块链技术。短期内,为更好地推动发展转型,商业银行应积极对待、合理定位、深层次研究实验区块链技术,强化与外部同业机构和区块链组织的共享合作,储备区块链技术专业人才和技术,充分运用区块链技术强化大数据处理能力。

The blockchain technology is one of the important directions for which commercial banks study financial technology in the past two years. The decentralization, tampering, traceability, anonymity, reliability, scalability and value transfer characteristics of blockchain technology determines its important application value in the financial field. The blockchain technology has been applied in the fields of digital currency,financial transactions, registration, confirmation, gaming, insurance, and auditing. The Commercial bank's application of blockchain technology helps optimize payment and settlement system, improve credit risk management and control model, improve the efficiency of middle and back office operations, and better apply smart finance. However, commercial banks will also face many challenges in applying blockchain technology. At present, commercial banks can apply blockchain technology in digital currency, payment settlement, risk control, and ticket trading. In the short term, commercial banks should actively treat, rationally locate, and fully study blockchain technology, strengthen cooperation with external peer organizations and blockchain organizations, reserve blockchain technical talents and technologies, and fully utilize blockchain technology to strengthen its big data processing analysis capabilities.