区块链的技术创新原理与金融应用

On the Principles of Technological Innovation of Blockchain and Its Application in Financial Industry

从设计思想、基本算法和工作流程三个方面阐述区块链技术创新的基本原理,总结区块链四大核心技术,分析区块链技术在比特币、银行业、证券业等领域的实践与应用,认为区块链技术是近年来金融行业极具创新的互联网技术,不仅是科技革命,更是一场信任革命,它的四大创新核心技术为资源的自由流动保驾护航。区块链技术为金融业带来史无前例的活力,将极大地促进金融业的深刻变革。但是,区块链技术是一种新兴技术,其运行与开发还存在一些风险。应尽早完善有关立法,加强监管,尽快将区块链纳入"政府主导模式"。

This article explains the basic principles of the technological innovation of blockchain from the aspects of designing ideas, basic algorithm and workflow, summarizes its four core technologies, and analyzes its application in bitcoin, banking and securities industry, etc. It is argued that the blockchain technology is the highly innovative Internet technology in the financial industry in recent years. It is not only a technological revolution but also a trust revolution, whose four core technologies protect the free flow of resources. The blockchain technology brings unprecedented vitality to the financial industry and will greatly promote profound changes of the financial industry. However, the blockchain technology is a new kind of technology, whose operation and development is faced with risks. It is recommended that relevant legislations be improved as early as possible and supervision strengthened to incorporate the blockchain technology into the government-led model as soon as possible.