区块链为引擎的数字金融应用模式概述及其面临的挑战

An Overview and the Challenges of the Application Model of Block-chain as the Engine of Digital Finance

以区块链引擎的数字金融,透过创立免中心化的信用,让数字价值的交换发展为一种趋势,是对传统商业模式的颠覆式改革,同时改善了现有的金融基础设施,由此创建了具有全新意义的全球金融网络。数字经济理论、自由货币理论和信息不对称理论组成了数字金融的理论基础。本文简要阐明了区块链技术这种分布式记账的基本内涵和特点,分析了数字金融的理论背景,阐述数字金融主要的几种应用模式,并阐述了其发展面临的问题,并给出发展的对策建议。

Driven by block chain,through the creation of decentralized credit,digital finance enables the exchange of digital value to develop into a trend,which is a subversive reform of the traditional business model,and mean while improving the existing financial infrastructure,thus creating a global financial network with new significance.Digital economy theory,free currency theory and information asymmetry theory constitute the theoretical foundation of digital finance.This paper briefly expounds the basic connotation and characteristics of the distributed accounting of block-chain technology,analyzes the theoretical background of digital finance,expounds several main application modes of digital finance,expounds the problems faced by its development,and puts forward countermeasures and suggestions for its development.