金融市场中的区块链技术、风险及其监管

Block Chain Technology, Risk and Supervision in Financial Market

随着区块链技术的发展,区块链技术越来越多地被应用在金融领域,从最初应用于比特币等虚拟货币,发展到应用于智能合约以及各种金融产品的发行和交易。区块链技术与金融的融合拓展了传统金融服务的广度和深度,是改变金融服务形式的一种金融创新模式。但是,这种金融创新也给金融安全带来冲击,对现行金融监管制度带来挑战。因此,我国应当在借鉴域外区块链金融立法和实践经验的基础上,对现有金融监管制度进行适度改革,并引入“监管沙盒”制度和监管科技手段,以期达到金融创新和金融安全的平衡。

With the development of block chain technology,block chain technology has been increasingly applied in the financial field,from the initial application of virtual currency such as Bitcoin to intelligent contracts and the issuance and trading of various financial products.The integration of block chain technology and finance expands the breadth and depth of traditional financial services,and is a financial innovation mode to change the form of financial services.However,this kind of financial innovation also brings impact on financial security and challenges to the current financial supervision system.Thus,on the basis of learning from the financial legislation and practical experience of foreign block chains,China should carry out a moderate reform of the existing financial supervision system,and introduce the“sandbox”system and the means of supervision science and technology,aiming at achieving a balance between financial innovation and financial security.