摘要
区块链具有去中心化、无须事先信任、开放性和自治性等特征,这使得区块链和金融具有内在耦合性,金融成为区块链应用落地的重点领域。但由于区块链在技术成熟度、治理机制和基础设施等方面存在缺陷,理论上的优势并未能在金融领域完全发挥,存在一定的落地困难。推动区块链在金融领域的应用,应进一步完善区块链金融监管治理框架,逐步弥合区块链金融与现有法律政策体系的鸿沟,推出法定数字货币,在合规的基础上构建面向用户的区块链金融商用体系。
The blockchain provides decentralization, openness and autonomy, trust-free consensus mechanisms, these technical features make it and finance have inherent coupling, the financial sector has become an early bird that blockchain could be applied tangibly. However, due to immature technology,governance mechanism and basic environment, theoretical advantages of blockchain cannot be fully realized in the financial field and become a castle in the air to some extent. To promote the application of blockchain in finance, we should further improve the governance supervision framework, gradually bridge the gap between blockchain finance and the existing legal system, launch central bank digital currency,and build a user-oriented blockchain financial business system on the basis of compliance.
作者
张礼卿
吴桐
ZHANG Li-qing;WU Tong
出处
《改革》
CSSCI
北大核心
2019年第12期65-75,共11页
Reform
关键词
区块链
金融创新
金融基础设施
金融风险防范
blockchain
financial innovation
financial infrastructure
financial risk prevention
